Frequently Asked Questions
What types of clients do you work with?
We work mainly with individuals and families. Our clients include professionals, business owners, retirees, widows, and families needing intergenerational financial planning. Oftentimes, new clients contact us when they are confronted with a major life change, such as retirement, the loss of a spouse, a career change, the start of a new business, or the receipt of an inheritance. Our experience in developing retirement forecasts, administering estates, managing trusts, planning for family and charitable gifting, and managing retirement plans helps reduce financial stress and gives peace of mind to our clients.
Do you require a minimum investment to become a client?
In order to best serve our select group of clients, the minimum fee that we charge for our services is $10,000, or the fee to manage assets of $1 million. This fee-only model includes both ongoing investment management and financial planning. For more information, please see our fee schedule.
How often do you meet with your clients?
Developing new client relationships requires more frequent meetings. These meetings help us create an individualized investment strategy and gather the information necessary to create a financial plan. We like to meet at least annually with our more established clients. We encourage our clients to call or visit when they are considering or facing a major change in their life, need help with a financial decision, or have questions about their financial life.
Who will I be working with at the firm?
Though all of our clients have a primary advisor, we feel that a team approach provides our clients with the best experience and highest level of service. Your primary advisor will be responsible for your relationship, but other professionals within the firm will provide capable back-up as needed. We believe that we all do our best work as part of a team.
If I join, what will happen to my existing investments?
Most of our clients use Charles Schwab as the custodian for their accounts. We normally open new Schwab accounts if necessary and transfer any existing investments into these new accounts.
Will I have online access to my accounts?
Through Schwab’s Alliance service, all clients have 24×7 access to their account information online or by phone during business hours.
Will you provide financial planning advice without ongoing investment management?
Financial planning and investment management are part of our integrated financial management process. As such, we do not offer financial planning as a separate service.
Can you work remotely with clients?
While many of our clients prefer in-person meetings, we also offer online meetings for those who have busy lives or live outside the area.