• Are you a fiduciary?

    Yes. I do not receive commissions or any other kickbacks for the advice or investments I provide to my clients.  By avoiding any potential conflicts of interest, I put my clients first, always.

  • How is a financial plan different from a budget?

    A budget is a way to manage savings and expenses and can be part of a financial plan.  A financial plan is much more comprehensive, linking your current circumstances to your financial goals by giving you actionable, measurable steps to complete.

  • Where will my money be located?

    I use a custodian, which is basically a bank that holds investable assets such as stocks, bonds, and mutual funds.  I can move money around inside your accounts, but cannot write checks from your account.

  • How/when do you conduct meetings?

    I try to make the meeting process as comfortable as possible for my clients.  To make things as painless as possible, I conduct meetings via web conferencing for easy screen sharing and engagement.  Generally, all my meetings are done whenever is most convenient for my clients, even in the evenings.

  • How do you get paid?

    I have two lines of business that I bill on: investment management and financial planning.  I charge 1% per year of assets under management, billed quarterly. Financial planning fees start at $500 and scale with the complexity of the plan/project.  Clients can choose financial planning or investment management services, but I prefer you choose both.