We provide fee-only, fiduciary financial planning and wealth management services for every stage of life.
As a client, you’ll get a financial plan that addresses every major aspect of your financial life and is tailored to your unique goals, needs, and preferences.
We’ll address your most pressing needs first, but we’ll eventually cover everything from taxes and investments, to insurance, estate plans, and more with you.
And when (not if) life changes, we’ll work with you to make appropriate adjustments to your plan.
We serve clients of all ages in different life stages, but the components of your financial plan are based on whether you’re “Near Retirement” or a “Working Professional.”
Whether you’re planning to retire in a few years or recently retired, your plan will include:
You may be decades away from retiring, but you know you need a financial plan that addresses:
As fee-only advisors, we can only be paid by our clients. In other words, we cannot receive commissions or kickbacks from brokers, banks, or third parties. By eliminating these conflicts of interest, our clients’ best interests are always our number one priority. If there’s ever a potential conflict, we will disclose that so you can make the best decision. The fee you pay to us is based on how you’d like your investment accounts managed:
Financial Planning (1 year) – You’re comfortable managing your accounts and implementing our investment recommendations without help. The annual fee is based on plan complexity, typically $4,800. After the first year, you’ll have the option to extend services at a discounted monthly fee.
Wealth Management (ongoing) – We manage your accounts and take care of all related tasks such as rebalancing, tax loss harvesting, and transfers. The annual fee is split into quarterly amounts and paid from your Charles Schwab accounts.
|Managed Accounts Total||Annual Fee|
|$0 to $500,000||1.00%|
|$500,001 to $1,000,000||0.90%|
|$1,000,001 to $2,000,000||0.80%|
|$2,000,001 to $5,000,000||0.70%|
|Amounts above $5,000,000||0.50%|
We use a disciplined approach to investing that is based on the principles of Nobel Prize-winning research. We strive to help you maximize your investment returns, while minimizing the ups-and-downs of the market. All of our portfolios are managed on an individual basis suited to your unique goals and values. The major tenets of our philosophy are portfolio construction, diversification, cost minimization, disciplined rebalancing, tax efficiency, and simplicity. These are the areas of investment management that investors have the most control over, yet often they are neglected in favor of chasing hot funds or trying to time the market.
A CERTIFIED FINANCIAL PLANNER™ is a practitioner who has met stringent requirements set by the CFP® Board of Standards in education, examination, experience, and ethics. The CFP® mark is the premier designation for financial planners and establishes a baseline of competency for practitioners. Quinn, Jean, and Eric are CFP® professionals, and all other planners are actively pursuing the education, exam, and experience requirements that take years to achieve.
Schedule a no-obligation 30-minute meeting. Tell us about your situation, ask questions, and get to know us a bit. There won’t be a sales pitch or any pressure to say yes.
Not ready for a meeting? It’s ok! If you're nearing retirement, get our free retirement checklist and our summary of key topics to consider in your retirement plan.
Need tips on saving for your kids' college educations? Get our college planning checklist and visit our blog.