How it works.
Choosing a new financial advisor can feel daunting. We’ve outlined our client experience below, providing an overview of our onboarding, quarterly meetings, and frequently asked questions.
Onboarding
New clients begin with our onboarding process, which consists of three meetings over the course of six weeks.
Meeting 1
Discover
We get to know each other and what is important to you
Meeting 2
Design
Based on our conversations, we design data-driven solutions to meet your unique needs
Meeting 3
Deliver
We present our findings and review different scenarios. After this meeting you’ll have a clear sense of a path moving forward.
Quarterly Meetings
Each quarter covers a different topic, which we use to implement, manage, and monitor your financial plan. Clients begin quarterly meetings upon completion of onboarding.
Q1
Year in Review
Q2
Investment Management
Q3
Financial Planning
Q4
Tax Strategy
FAQs
-
Yes. We are legally obligated to always act in the best interests of our clients. As a fee-only Registered Investment Advisor, we pride ourselves on transparency. We answer to our clients and nobody else.
-
Your all-in cost consists of three parts:
Our management fee: 0.75% of assets under management. We bill quarterly, in-arrears, based on the average daily balance of your investment accounts.
Expense ratio: 0.15% average weighted cost in our portfolios. This is the internal fund expense charged by an asset manager (e.g. Vanguard, Blackrock, Dimensional) to operate an ETF or mutual fund.
Trade fees: approximately $50-100 annually per account. Trade fees are paid to our custodian, Charles Schwab.