Where are my assets held?

Currently we use Charles Schwab as our custodian. Schwab is a member of SIPC, insurance coverage to protect client assets. Using a third party custodian protects a clients assets and ensures that the assets are owned by the client, not us. It does not protect your assets from the volatility of the stock market. Above and beyond SIPC coverage, both custodians maintain additional insurance coverage, currently through the Customer Asset Protection Company.

Do you schedule time outside the normal 8-to-5 time period?

This depends on the client’s situation and whether we can accommodate it. We can sometimes rearrange appointments if needed but prefer to keep appointments on the weekdays.

What are your hours? Do you allow drop-in appointments?

Business hours are Monday through Thursday 8:30 am to 4:30 pm and Friday is 8:30 am to 1 pm. This is when the office is staffed and can immediately answer your phone calls. We do encourage you to set appointments ahead of time. You are welcome to drop off items needed by us and if we’re not in an appointment we will try to visit. Again, always call first to find out if we’re available. Your phone call is important to us and we try to answer emails and phone calls within a 24 hour time-frame.

I have my investments with another advisor but want someone to look at them and tell me if it’s appropriate or if I’m paying too much. Do you do that?

We prefer to work with clients that are looking for more financial planning needs beyond the asset allocation. If you are looking for a long-term relationship with planning advice then we could be the advisor you are looking for. Basically we want to work with clients that value the advice as well as clients that appreciate the accountability and help.

If you are just looking for a second opinion or want to manage your own assets then we may not be a good fit.

What are your fees?

We pride ourselves on being upfront and transparent about our fees. All engagements start with a $1,500 onboarding fee to cover the initial meetings and analysis. Our Clarity Promise is that if you are not happy after the initial meetings, we will refund you this fee with no penalty. The fee is also waived for clients that move directly into an ongoing investment management engagement. 

If we manage your money, the annual negotiable fee is a percentage depending on the size and complexity of your account. The fee is paid quarterly, at the end of each quarter.

One time financial plan fees typically start at $5,000 and vary depending on the complexity of your financial situation. 

We also offer a flat fee retainer option. The retainer fee is dependent on factors such as net worth and complexity.