Compassionate: Our financial advice is customized to you and is based on your unique Goals, Intentions, Values, Experiences, and Relationships. We call this your GIVERs Profile™. We dedicate a meeting to listen to you and ask questions about your history, your aspirations, and what "makes you tick". This enables us to know how best to advise you.
Conflict Free: Our only compensation comes from client fees. We don’t accept commissions from product or service providers. We work exclusive for you. We believe our “fee only” approach allows us to give advice in the best interest of our clients.
Consistent: We promise to do what we say: walk alongside you and provide financial guidance and investment management as your life changes. Consistent, thoughtful advice is always based on your priorities.
Collaborative: Financial planning is an ongoing, collaborative process. We are not here to tell you what to do. We are here to listen, assess your situation and your desired outcomes, and provide what we believe to be the best courses of action. It is a process of us working together. We provide specific advice, and if you would like to take a different course of action, we can develop alternatives and inform you of the possible outcomes of each alternative.
Comprehensive: We look holistically at your financial situation, unless specifically engaged with for limited scope arrangement. We are looking out for your overall financial health, which includes discussing a broad array of topics.
Fee Only, Fiduciary: Having financial product sales targets, commission payout rates that vary by product, or promises of free trips to the Bahamas like some financial firms have can taint the advice of an advisor. To avoid this conflict of interest, we do not sell any financial products or receive any commissions, referral fees, or kickbacks from insurance or investment products. Our only compensation comes from our clients. People should get what they want from an advisor: expert advice, not a sales pitch.
We provide advice based on what we believe to be in the best long term interest of our clients- that’s the fiduciary standard.
We are proud to be fee only fiduciaries.
Flat Fee For Service: Because we are comprehensive in our approach, we believe that a flat fee for ongoing service is in the best interest of our clients. The cost of service is based upon two things: the complexity of the client's situation and the responsibilities delegated to us as the advisor.
Fees are typically set for two years, at which time we reassess the fees. If complexity and responsibility have decreased or increased, the fee will increase or decrease proportionately. In other words, you pay us for the complexity and amount of work we do. If your situation has remained at the same level of complexity and responsibility, the fee will typically be adjusted for cost of living increases.
The cost for additional services, such as business consulting, are often project based and specific to the timeframe, complexity, and scope of work you need.
Investments: Many studies have shown that it is very difficult to consistently "beat the market." While not impossible, beating a benchmark consistently is definitely improbable. Because so many experts are conducting investment analysis and aggressively competing at once, most investment markets are very efficient- meaning the opportunities to beat the market are far and few between.
We believe that it is not worth the high expense to attempt to beat the market through individual security selection or very active strategies. We want to design portfolios that have a high probability of reaching our clients’ financial goals using a mix of highly diversified, low-cost mutual funds and exchange traded funds. For some clients we will use individual securities or other portfolio construction techniques when appropriate. The goal is to only take as much risk as needed to achieve the desired outcome.
We don’t control the stock market, nor do we pretend to be able to predict the future. Most investors should stay invested in the market, rebalance their portfolio, and focus on the other areas of their finances that they can control.