Investment Management from Fiduciary Financial Advisors

Receive objective, independent recommendations and investment advice from financial planners who work as your fiduciary.

In addition to working in your best interest, we don’t require you bring a certain level of assets to the table before you can receive investment advice or access to investment management. We don’t believe you have to be “wealthy” before we’ll teach you how to better manage the wealth you do have.

How We Work with Clients

Financial planning is about a lot more than just the numbers involved -- and so is proper investing. You bring your own set of goals, timelines, hopes, and fears to the table.

Your investment portfolio should be designed with all these factors in mind as we focus on what we can control (such as diversification and asset allocation) rather than worrying about what no one can predict (market volatility or overall return).

When we assess and help manage your portfolio, we want to do so in a way that provides you with the resources you need to meet your goals. We’ll ask (and answer):

What type of investments do you prefer, and which make the most sense according to your current and prospective economic state and lifestyle?
What level of investment risk are you comfortable with?
Is putting your money to work through Social Impact or Socially Responsible Investing important to you? It's important to us and we can facilitate this for you.

What kinds of investments are most appropriate for your time frame?
What kind of asset allocations will best help you meet your goals?
How involved do you want to be in the day-to-day monitoring of your accounts?

Better Manage Your Wealth for the Life You Want

In addition, we help clients find and invest low cost, no load (no commission) mutual funds and exchange-traded funds (ETFs). This helps reduce your overall investment costs and taxes, which means keeping more of your wealth to support your lifestyle.

As part of our services, we review, reassess, and rebalance your accounts according to changes both in the markets and in your life on a periodic basis. Our goal? Ensure you continue on the path that leads to the fulfillment of your goals.

Fees

All of our Investment Management engagements begin with a one-year contract so that we can get to know you and provide deeply personalized advice and recommendations to you.

Fees are based on factors such as the number of accounts, asset size, and types of your investments. We manage client assets at TD Ameritrade (soon to be Schwab), Vanguard, and TIAA. Our investment portfolios include Vanguard, iShares, and Dimensional Fund Advisor funds and are oriented toward Environmental, Social, and Governance (ESG) factors including those that are Socially Responsible Investments and aim for a positive social impact.

How Fees Are Calculated

Our fees are calculated based on the nature of our work together. Your needs and preferences will direct and drive our work, beginning with our initial phone interview. We will discuss your circumstances and goals, and we'll share a proposed partnership in more detail, which entails how we can help you work toward a strong financial foundation.

Factors we use in calculating fees include the complexity of your situation, the scope and level of services, and the size and types of your investment accounts.

In general, investment management fees range between 0.80% and 1.2% of the assets we manage for you. Investment advisory fees may range from 0.30% to 0.50% of your investments such as 401Ks, 403bs, or TSPs, where we give you investment advice and you implement.

Investment advisory fees are in addition to financial planning fees so that you are paying for only what you need. Financial planning is included with all investment management engagements.

A Fee-Only Fiduciary Firm

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

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Planning and Investing for Your Future