Work With Us
Flexible Fee Schedules
*WealthPlus required for prospective clients with $250,000 or > in investable assets.
What You Can Expect
Advice may include ways to minimize current and future taxes. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency” in regards to your unique tax situation. Or, realizing income or capital gains strategically in particular years where the tax burden may be mitigated.
We partner directly with a CPA firm to act as a liaison between the tax preparers and our clients. We’ll help identify, gather, provide necessary tax filing documents to the CPA’s who will file the tax returns after our review. This service is provided on an “opt-in” basis for an additional fee.
Other services that may be provided as needed are access to our continually expanding and evolving network of professionals including realtors, attorneys, CPA’s, and insurance brokers.
We also utlilize cutting edge technology to service our clients and provide a comprehensive client portal to stay in touch with your finances, track your goals and investments.
We always begin with an initial discovery meeting where we gather as much information about your current financial situation as possible. Next, we help articulate and prioritize your goals to determine the best plan of attack.
We oversee implementation of your plan and hold you accountable along the way. As changes in your life occur, we adjust accordingly. The end result will be peace of mind knowing you have a clear and concise plan for your money centered around your goals.
We use state of the art planning technology to help you (and us!) stay on top of things. You’ll have a secure, online portal to access all your important financial documents and anytime access to us via phone, text or email.
For more information please review the following documents:
Our Financial Planning Process
Discuss primary goals and concerns. Determine if we’re a good fit for each other.
Further, refine values and goals. Ensure we have all your financial data needed to build out a plan.
Review personalized financial plan and specific recommendations.
Hold you accountable and oversee implementation of specific recommendations.
Monitoring & Support
Ongoing investment management and financial planning oversight.
Our investment philosophy is centered around passive, low-cost investments. As information becomes more readily available and public markets more efficient than ever before, it’s become increasingly difficult for active money manager’s to “beat” their respective benchmarks over full market cycles.
Millennials have decades of time to take advantage of the power of compounding through a steady, patient approach. Investing doesn’t have to be complicated or expensive.
Sweeping changes don’t need to be made every day or every month for a portfolio to perform well over the long run. Instead, we focus on what we can control, which is our reactions to market swings, coaching healthy financial habits, keeping fees low, and tracking towards your goals. In the end what matters is you’re able to live the life you want, free of financial concerns. If we’re able to achieve that, we’ve achieved our desired rate of return.
Generally, we utilize a globally diversified asset allocation while ensuring particular assets are located within their most tax-advantageous account(s). We rebalance on a periodic basis to ensure we stick to our rules based approach. We also have the ability to integrate environmental, social, and governance (ESG) rules within portfolios for investors whom wish to invest alongside their particular values. There may also be an argument for ‘better’ risk-adjusted returns over the long-term while using ESG characteristics. Finally, we have the ability to educate/advise on alternative investments for accredited investors. This may include but not limited to private equity, directly held real estate, digital assets, private lending, etc.