FAQs

No. We don’t have investment minimums. We’re happy to meet with anyone and offer no cost consultations.

Many people find value in working with an advisor. We provide strategies to help you avoid costly mistakes, create a clear plan, and give you confidence in your decisions.

We serve a wide range of people — from business owners and retirees to young professionals just starting out.

Unlike many larger firms, we don’t set investment minimums. We offer one-on-one support.

Our first meeting is all about you. We’ll take time to understand your goals, concerns, and priorities, then walk you through how we work and what a tailored plan might look like. Meetings can happen wherever is most convenient — in our office, over Zoom, or another setting that works best for you.

We use a tiered fee structure — as your assets grow, your percentage fee decreases.

• Management fee: A small percentage of the assets we manage, deducted directly from your account.
• Insurance commissions: Paid by the insurance company when you purchase a policy.
• Introductions: Clients often introduce us to others — it costs you nothing, but helps us extend value to more people.

Most clients pay a percentage-based fee for ongoing portfolio management. We also offer one-time consulting fees if you only need advice for a specific situation.

We guide clients through three main “buckets”:

• Taxable (checking, savings, brokerage): Flexible, but fewer tax benefits.
• Tax-deferred (401(k), IRA, pension): Taxes delayed until withdrawal.
• Tax-free (Roth IRA, Roth 401(k), HSA): Pay taxes upfront, then enjoy tax-free growth.

It depends on your goals, but as a rule of thumb, we suggest aiming for at least 20% of your income if possible. We’ll help design a savings plan tailored to you.

You’ll have access to a secure online portal that brings all of your accounts together — investments, loans, bank accounts, and more — for a full financial picture.

We work with trusted third-party providers who use encryption and security protocols. Protecting your privacy is a top priority.