Our compensation comes exclusively from fees paid by our clients. We accept no commissions, revenue sharing or third-party referral payments.
For clients seeking a complete written plan they intend to implement independently.
For clients who want the plan implemented, monitored and adjusted over time.
For a specific question that does not require a comprehensive engagement.
All fees are quoted in writing before work begins and are never embedded in the cost of a product.
If your question is not addressed here, please raise it during your complimentary introductory consultation.
Project and hourly engagements have no minimum. Ongoing wealth management carries a minimum annual fee, which is generally not cost-effective below approximately three hundred thousand dollars in investable assets. Where that applies, we will recommend the more suitable option.
Client assets are held at an independent third-party custodian. We never take custody of client funds. Accounts are opened in your name, statements are delivered to you directly, and our authority is limited to the trading and fee arrangements you authorise in writing.
Exclusively through fees paid by our clients. We receive no commissions, trail payments, referral fees or revenue sharing from any product provider, and this is disclosed in full in our Form ADV Part 2A.
Recent account statements, your two most recent tax returns, employer benefit summaries, insurance policies and any estate documents. Incomplete records are common, and identifying those gaps is part of our work.
We encourage it. With your written authorisation we coordinate directly with your existing professionals so that your tax return, estate documents and investment strategy remain consistent with one another.
Provide written notice and the agreement ends. Fees are prorated to the date of termination, accounts remain in your name at the custodian, and your planning documents are delivered to you at no charge.
Testimonials are provided by current clients and are not indicative of future performance or investment results.
We arrived with six accounts at four institutions and no idea what we actually owned. The consolidated statement of net worth was the first time we had seen the whole picture on one page.
Ellen and Marcus Reid
Retirement income · clients since 2019
Selling the business was the most complex year of our financial lives. Every recommendation arrived in writing, with the reasoning attached, and our CPA was in the room for the decisions that mattered.
David Okonjo
Business succession · clients since 2021
A previous adviser had put us in products that paid him and cost us. The fee-only structure here meant I finally understood exactly what I was paying and what I was getting for it.
Priya Raghavan
Portfolio review · clients since 2020
The withdrawal sequencing work alone changed our projected tax bill across retirement. It is the kind of planning nobody had ever offered to do for us before.
Thomas Bergeron
Wealth management · clients since 2018
Our advisers are available Monday through Friday, 8:00 am to 6:00 pm Central. The introductory consultation is complimentary and carries no obligation.
