Broker Check

How do you get paid? What are your charges?

We are fee-based and are generally compensated by the assets we have under management. These fees vary based on the size of the account and the specific money management, but our fees are very competitive, fully disclosed, and mutually agreed upon. We work to make sure that our clients are getting value for the fees charged. The benefits of an ongoing fee-based relationship include:

  • Regular, personalized communication
  • Regular review meetings once or more per year
  • Quarterly performance reports
  • Professional guidance on investments and all financial matters
  • Greater transparency
  • A more disciplined approach to investing
  • A mutual incentive: we are genuinely motivated to grow your portfolio and preserve your wealth because it is in our best interest, too.
  • Potential tax benefits---fees for advisory accounts are generally deductible against your federal income taxes

We may also charge for the preparation of a financial plan, for providing advice on 401k plans, and we may also receive a commission on insurance products. We often make referrals to other professionals (insurance agents, attorneys, accountants, etc.) but we never receive any compensation from these referrals. As part of our fiduciary duty, we assiduously avoid conflicts of interest, and any such possible conflicts must be fully disclosed to the client.

Do you have a minimum account size?

Yes, many of the programs we use have minimum account $50,000. Others have minimums of $100,000.

We realize that everyone has financial needs, there is no minimum account size for the preparation of a financial plan.

What Is My Current Cash Flow?

Assess whether you are running “in the black” or “in the red” each month.
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