Frequently Asked Questions

1

Are you held to a fiduciary standard?

Yes.

 

We have taken an oath to act in the client’s best interest at all times.

2

What does a fee-only financial advisor mean?

Fee-only advisors are paid directly by the clients for their services and do not accept commissions, kickbacks, or referral fees from partners.

3

What is an RIA?

Registered Investment Advisors (RIA) are independent financial companies that are registered through the SEC or their state regulator. RIA’s have a fiduciary duty to their clients.

4

What is your investment philosophy?

We believe that long-term investment success is based primarily on investor behavior. We use low-cost index investing to personalize asset allocated portfolios for our clients' needs.

 

Our integrated platform helps us focus on the things we can control like cost, risk, and taxes

5

Do you take investment-only clients?

No, we don’t.

 

It is impossible to adequately help clients invest without first understanding thier values, vision, and goals. This takes an in-depth planning process that we cannot afford to shortcut. Therefore, we only accept new clients who engage in our planning process.

6

Do you hold on to the money that is invested?

No. Our current custodian TD Ameritrade handles the funds. Our partner firm Orion Portfolio Solutions helps us execute the investment strategy so that we can focus on coaching our clients.

7

How will I be billed?

Annual financial planning fees are paid in installments either monthly or quarterly through automatic billing.

 

Asset under management fees are deducted from the managed accounts on a periodic basis either monthly or quarterly in arrears.

8

How often do you meet with clients?

Depending on the needs of the client there are 4-6 meetings during the initial plan development phase. After establishing the plan, we meet every 2-3 months to execute the plan depending on the needs of the individual. Clients are free to schedule a meeting as situations arise.

9

How many new clients do you accept?

Our firm limits the number of new clients so that we can deliver a high impact experience to those we serve. We typically accept no more than 5 new clients per month.

10

Who are your ideal clients?

Our process is designed for the following client prototypes:

*Ambitious women or couples looking for guidance and coaching with wealth building

*Professionals looking to hire and delegate the investing and execution of their financial plan

*Clients who value expert advice and are willing to implement tailored recommendations.