What can I expect when I reach out to your firm?
After an introductory call to share with us your priorities and learn how we work with clients, we’ll set up an initial meeting in-person at our office or over Zoom. You won’t need to bring any documents and you will not be asked to make any decisions. The purpose is for us to begin to understand your goals and for you to get to know us better. Within a few days, we will send you a written proposal explaining how we can work together and specifically what areas of your financial life we will be addressing.
What types of clients do you work with?
We work with a select group of individuals and families who are within five years of retirement or have recently retired. Most of our clients are between the ages of 50 and 75, have diligently saved, and typically have investable assets of $1 million or more.
Our clients include:
- Pre-retirees and retirees seeking tax-efficient income and family legacy planning
- Executives and professionals with complex compensation packages, such as equity or stock option plans
- Business owners looking to utilize tax-efficient investment strategies and build financial security outside of their business
By limiting the number of clients we serve, we ensure each relationship receives personalized attention and tailored financial solutions.
What does it cost to get started?
Retirement Roadmap (Foundational Financial Plan)
Our Retirement Roadmap is the starting point for new clients, especially those approaching or just entering retirement.
We offer a high-level overview of your financial framework including cash flow, retirement planning, investments, tax strategy, protection, and estate planning. This process typically takes a few months, and the plan is delivered over two strategy meetings. You’ll receive a personalized written financial plan along with supporting documents-including a portfolio analysis, net worth statement, cash flow projections, and an income tax report.
Our process ensures you:
- Get clear answers to your retirement questions
- Understand your full financial picture
- Receive actionable steps to reduce risks and make the most of your retirement opportunities
Cost: $3,000–$6,000, depending on the scope and complexity of your plan.
What are the fees to continue working together?
Guided Journey: Ongoing Advisory Relationship
For clients who continue working with us after their initial plan, our Guided Journey offers ongoing support and proactive financial management.
We provide:
- Consistent, proactive communication
- Ongoing help implementing action items in your financial plan
- Continuous management and oversight of your investment portfolio
- Annual reviews of your tax filings with suggested tax strategies
- Guidance in evaluating executive compensation and benefits
- Proactive tax planning throughout the year
- Coordination with your estate attorney, CPA, and other professionals
- Family meetings to facilitate clear communication among your loved ones
Our ongoing advisory relationship ensures you receive continuous guidance as markets and your personal goals evolve.
Advisory fees are charged to your accounts based on a percentage of your aggregate portfolio value under our management (firm minimum of $1 million). Our advisory fee schedule is:
- $1 million to $3 million – 1.00%
- $3 million to $6 million – 0.80%
- $6 million to $10 million – 0.65%
- Above $10 million – 0.50%
Are you a fiduciary?
Yes. Also, because we are Certified Financial Planners, we are held to a strict standard of fiduciary duties. CFP professional’s fiduciary duty may be higher than what is required by regulation, and as defined by the CFP Board this includes: duty of loyalty, a duty of care, and a duty to follow client instructions. You can read more about the CFP Board’s Standards of Conduct here:
What investment products do you use?
We are independent and loyal only to our clients, so we have no investment or insurance companies that we are restricted to working with.
In our core strategies, we use a mix of ETFs & mutual funds as we believe in a blend of active and passive management that each fulfills. When choosing investments, we consult with outside investment partners, third-party research software, and complete our own in-house due diligence.
We create customized portfolios based on client goals and preferences. This can include individual stocks and alternative investments.
For conservative investors we offer principal-protected banking and insurance products including CDs, government treasury bonds, and fixed annuities to complement their market investments.
How do you communicate with your clients?
During the introduction & onboarding phase, we may speak with you weekly. After you become a client, we will continue to reach out to handle any questions you have, make sure you are comfortable with the account set up, and establish an ongoing communication frequency that you are comfortable with.
We pride ourselves on proactive communication and never leaving a client wondering when or if they will hear from us. We handle this through:
- Periodic email updates on impactful financial events (tax code changes, economic updates)
- Check-in calls quarterly (or on scheduled cadence)
- Comprehensive planning meetings once or twice annually
- Proposed portfolio allocation changes & rebalance as needed
- Collaboration and coordination with your other advisors (attorneys, tax preparers, etc.) as needed