After we decide to work together, we being with onboarding. This includes reviewing and signing the advisory agreement, setting up accounts with custodian and coordinating the transfer of assets as needed. During this phase, we also begin the foundational work of getting to know you more comprehensively so we can then design and implement our agreed-upon plan.
Client assets are held at an independent, third-party custodian in accounts titled in your name. We do not take custody of client funds or securities. This structure provides transparency, protection and direct access to your assets at all times. You will receive statements directly from the custodian, and the assets remain fully under your control.
There is no long-term contract or required commitment to work together. Our advisory relationship is ongoing and can be ended by either party at any time with written notice. We believe the relationship should continue because it is working for both parties, not because of contractual obligations.
Asset transfers are handled through the custodian once accounts are established. In most cases, this involves completing a transfer request, and we help coordinate the process to make it as smooth and straightforward as possible.
During the transfer process, none of your assets are sold or changed. Whether you are moving an IRA or a brokerage account, your investments stay exactly the same; the only difference is where you log in.
Our fee reflects the construction of your financial plan, ongoing investment management and guidance over time. This includes portfolio design, monitoring, rebalancing and planning considerations as your circumstances and markets evolve. All of this is delivered in a fee-only structure with no commissions or product incentives.
Communication is ongoing and responsive, with structure portfolio reviews scheduled throughout the year. The frequency of formal reviews is tailored to each client rather than fixed to a standard quarterly schedule.
We work best with clients who are looking to build a long-term advisory relationship grounded in trust and ongoing collaboration. We are not a good fit for those seeking short-term engagements.

Frequently Asked Questions

After we decide to work together, we being with onboarding. This includes reviewing and signing the advisory agreement, setting up accounts with custodian and coordinating the transfer of assets as needed. During this phase, we also begin the foundational work of getting to know you more comprehensively so we can then design and implement our agreed-upon plan.
Client assets are held at an independent, third-party custodian in accounts titled in your name. We do not take custody of client funds or securities. This structure provides transparency, protection and direct access to your assets at all times. You will receive statements directly from the custodian, and the assets remain fully under your control.
There is no long-term contract or required commitment to work together. Our advisory relationship is ongoing and can be ended by either party at any time with written notice. We believe the relationship should continue because it is working for both parties, not because of contractual obligations.
Asset transfers are handled through the custodian once accounts are established. In most cases, this involves completing a transfer request, and we help coordinate the process to make it as smooth and straightforward as possible.
Our fee reflects the construction of your financial plan, ongoing investment management and guidance over time. This includes portfolio design, monitoring, rebalancing and planning considerations as your circumstances and markets evolve. All of this is delivered in a fee-only structure with no commissions or product incentives.
Communication is ongoing and responsive, with structure portfolio reviews scheduled throughout the year. The frequency of formal reviews is tailored to each client rather than fixed to a standard quarterly schedule.
We work best with clients who are looking to build a long-term advisory relationship grounded in trust and ongoing collaboration. We are not a good fit for those seeking short-term engagements.