Frequently Asked Questions
With whom do you work?
We work with clients from all stages of financial life. Our ideal clients typically share our values: they desire to use their resources wisely as they seek to accomplish specific financial goals, they understand that having a plan for their resources will make them more content, and they have a strong urge to use their resources to have a more meaningful impact on their families, friends, and communities.
Do you have minimum financial requirements for prospective clients?
To qualify for our wealth management services, which are inclusive of financial planning, performance reporting, and investment management services with individual security selection, clients typically should invest at least $400,000 with us. However, we do work with clients who have less than $400,000 to invest on an hourly/fixed fee basis for financial planning. Such relationships are typically limited to our financial planning services only. We also provide limited investment management-only services to individuals with $100,000 or more to invest.
Are you fiduciaries?
How are you compensated for your services?
For wealth management clients with assets under management of $400,000 or more, we are paid based upon a percentage of assets under management. This fee includes our financial planning, performance reporting, and investment management services. For clients who desire to engage us for our financial planning services only, or who do not meet our minimum portfolio size, we offer hourly/fixed rate financial planning services. Limited investment management-only clients with $100,000 or more to invest compensate us based upon a percentage of assets under management. In an effort to avoid potential conflicts of interest, we do not accept direct compensation from third-party investment sponsors or brokerage firms as a direct result of our investment activities on behalf of our clients.
Which qualifications, certifications and licenses do you have?
Which services do you offer?
We offer wealth management, investment management, advisory, performance reporting, and financial planning services to our clients. We strongly encourage all of our clients, including our investment management-only clients, to complete a customized financial plan for the purpose of intentionally planning for the use of their resources.
What is your investment philosophy?
We believe that clients should invest in order to achieve specific financial goals, balancing these goals with their tolerance for risk or market value volatility. For this reason, our wealth management clients complete both a financial plan and a risk tolerance assessment periodically. Based upon the results of the financial plan and risk tolerance assessment, portfolios that have demonstrated historical return and volatility characteristics that align with individual goals and risk tolerance are implemented and continuously managed on a discretionary basis on behalf of our clients.