Question 1

How are you different from a typical financial advisor?

Accepted Answer

We're fee-only and independent. That means we don't take commissions, we don't sell insurance products, and we are product and company agnostic. Our only job is to give advice that's right for you.

Question 2

Do I need a minimum amount of money to work with you?

Accepted Answer

No, but for ongoing wealth management we typically work with households who have at least $500,000 in investable assets.  Otherwise you might be served better elsewhere.  The hourly project work has no minimum.

Question 3

Are you a fiduciary?

Accepted Answer

Yes — 100% of the time, on 100% of the advice we give. It's in writing in our advisory agreement.

Question 4

Do you meet virtually or in person?

Accepted Answer

Both. Most clients prefer Zoom for routine meetings and come in person for bigger events. We'll match your preference.

Question 5

How do you handle taxes?

Accepted Answer

We don't file your return, but tax strategy is built into every recommendation. We coordinate with your CPA — or refer one if you'd like.

Question 6

What happens if I'm not a good fit?

Accepted Answer

The introductory call is free. If we're not the right match, we'll tell you and point you toward someone who is. No hard feelings.

Question 7

What happens on the first call?

Accepted Answer

On the first call we will go over any questions you have and why you are seeking help in the first place.  Then we will talk about what it looks like to work together, what the next steps are to move forward, and give a rough idea of the areas that need attention.  It's your time!

Question 8

What documents or information should I bring to the call?

Accepted Answer

Usually we can talk high level without getting too specific, but knowing rough numbers will make the conversation flow smoother.  Investment statements, mortgage balance, outstanding loans and debt, salary and workplace benefits....the list goes on.

Question 9

How long does it take to build a financial plan?

Accepted Answer

Understanding your goals and individual circumstance can be mapped out within a few hours, then things change, and the plan feels outdated already.  We don't like to think of building a plan once and never touching it again but rather a living document that is constantly evolving for the stage of life you are in at the moment.

Question 10

How often will we talk?

Accepted Answer

At least quarterly there will be a meeting or touchpoint.  Sometimes life events dictate a more time intensive schedule that requires multiple communications or meetings within a short period of time.

Questions, answered.