Work With Us
Flexible Fee Schedules
*WealthPlus required for prospective clients with $250,000 or > in investable assets.
Services We Offer
We’ll conduct a thorough review of current cash flow (income, savings, expenses, etc). Develop a plan that aligns your cash flow with your short and long-term goals. Then work towards automating cash flow as much as possible.
We help clients identify and articulate their short and long-term goals. This may include buying a home, getting married, starting a family, financial independence, vacation home, etc. Goals may change over time, and we’ll be there to help adapt and provide guidance so you feel confident in all your financial decisions.
We’ll ensure you’re on track towards achieving financial independance. Whether that’s at the traditional “retirement” age or age 50. What will it take to get achieve?
We utilize monte carlo simulations to develop a probability of success based on a multitude of inputs that we know today. There is much we cannot know in the future, but it helps determine whether we’re on the right track.
We’ll review existing insurance policies such as health, life, disability, and property and casualty, to ensure coverage is sufficient. If new or updated policies are recommended, we’ll work with insurance brokers to get policies in place.
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.
We’ll develop a strategy that aligns with your tolerance for risk, necessity for risk, time horizon, and goals. We use Charles Schwab to custody client assets and use discretionary management to implement our agreed-upon strategies.
Generally, we believe in passive investment principles, asset allocation, asset location, tax-efficiency, and global diversification.
We’re well versed in the various types of equity compensation plans. Most often we see stock options (ISO’s or NSO’s) and restricted stock units (RSU’s). We help provide perspective on how these fit into the overall financial plan. This likely includes education around the interworkings of the stock plan, tax planning, and how to mitigate risk of concentrated stock.
We’ll discuss the best options to pay down high-interest debt or how to best finance large purchases such as real estate. This could include debt consolidation strategies, student loan analysis, or discussing different types of mortgages.
We can also administer securities based lines of credit for high net worth clients, as an additional, low-cost liquidity tool.
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.
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.
Present the first iteration of your financial plan.
Hold you accountable and oversee implementation of specific recommendations.
Monitoring & Support
Ongoing investment management and financial planning oversight. Rinse and repeat!
Initial Consultation: We begin the process by determining whether we’re a good fit. Generally, this includes a high level conversation about the primary goals of the prospective client. This could include a “triggering event” that’s occurred that pushed the prospective client towards reaching out to a financial planner, or simply the desire to build a holistic financial plan through a trusted advisor.
Discovery Meeting: Once the prospective client and advisor have determined that we’re a good fit to work with one another, we schedule the “discovery meeting”. We’ll use this time to gain a better understanding of your current financial situation, what got you here, and ultimately what you envision in the future. We’ll also gather all the data necessary to build a personal balance sheet.
Recommendation Meeting: We’ll provide a comprehensive plan that outlines various recommendations in all areas of your financial situation. We’ll ensure we educate you on WHY we’re making certain recommendations to ensure you feel comfortable and confident.
Plan Implementation: The next meeting(s), we’ll assist in implementing the agreed-upon recommendations to ensure they’re carried out. A plan without any action is useless!
Monitoring & Support: We’ll conduct semi-annual progress meetings to ensure you’re on track, make adjustments, or provide further clarity. We have an open-door policy, so more than two meetings typically occur throughout the year.
For more information please review the following documents:
- Our Financial Planning Process. A preview of our process.
- What We Do. We discuss the obvious, specific issues we can help you with as well as the not-so-obvious, big-picture issues.
- Client Service Calendar. An overview of our ongoing service throughout the year.
- Compare our Services. As a registered independent advisory firm, we offer many valuable services our competitors do not.
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. 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.