Frequently Asked Questions
We work as a team. We are accessible to our clients. You will have our cell phone numbers and you will find that we answer our calls and return our messages. Working together with your other trusted advisors, we seek to provide unbiased advice to help you achieve your long-term objectives. We work to reduce complexity and help you tune out “the noise” in the financial markets.
We work with a variety of clients – everyone from high net worth investors to those just starting out. We can help you navigate your complex financial situation and we can guide you through life’s major decisions.
First and foremost, we will treat you in the same way as all of our clients. This means that unlike most advisors, we do not negotiate our fees. This is to your benefit: we don’t treat you like an airline customer where some pay more and others pay less to go to the same destination. Our fair and transparent approach allows you to calculate your fee right on our website – please see our “Fee Calculator” to discover your fee savings.
As often as you would like. If you have questions and need advice, we are generous with our time. If you would like to do things other than talk about your future plans and your money, we will follow your lead. Rest assured, your investment portfolio is under our constant review. Of course, you will have 24/7 access to ALL your investment accounts and your financial plan through our client portals.
We use the services of independent third-party custodians like Charles Schwab, TD Ameritrade, TIAA and other financial service organizations who hold the monies you may have in retirement plans and college savings accounts. We will guard your private information – the relationship we have with our clients is always treated with the utmost confidentiality.
We make investments globally because it increases the opportunities we have to find attractive offerings. We prefer to use low-cost mutual funds, exchange-traded funds (“ETFs”) and other publicly available diversified investment vehicles. We are also capable of managing portfolios of individual securities, particularly existing portfolios which may contain appreciated positions. We invest your various individual accounts toward a coordinated overall goal.
We are a Registered Investment Advisor (RIA). We are a fiduciary, meaning that we are required to act in your best interest, always. We are never compensated based on the products we use for your portfolio. There are no hidden fee arrangements of any kind. Ethically, legally and philosophically, we have aligned our interests directly with yours.
We invest our own personal assets in the same investment vehicles as our clients ensuring that we are all working toward the same goals. We utilize an investment approach that uses low cost, yet innovative investments, that are structurally designed to benefit from market fluctuations.