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Great question. We were tired of the noise of the status quo, so we focus on what we can control; what we do. Working with us, you will find and refine your ‘why’ because we focus on you. If you’re interested in defining, building, and working on a plan that accounts for the things that truly matter in your life, you’re in the right place. If you want a portfolio that is designed to be tax-efficient, stress-tested, low-cost and connected to your goals, you’re still in the right place.

Inside our family of clients are a number of different stories. Each of them works with us to build a life they want. We don’t really have a typical client.

We serve high-income earners who aren’t rich (yet). Many of our clients are nearing or are in retirement. Some of our clients have inherited their money (and the new responsibility that comes with it). We’ve found we often have a fit with creative people and professionals in the legal, technology, and film industry. We serve a number of small business owners who are looking to maximize their retirement savings. We have experience with RSUs, ISOs, Defined Benefit Plans, and Cash Balance Plans.

With each of our clients, they want to spend their time living the life we’re planning together, and to have a relationship with a trusted advisor to guide and protect them. In short, we have a range.

Our answer depends on what’s the right solution for you. It could be as often as once a month or as infrequently as two to four times a year.

If you could use help with building and maintain a budget, it could be monthly for six months, until you get the hang of things. If you’re nearing a significant transition, we might need to talk more often too. We’ll agree on the schedule you’d benefit from before we start working together, and check-in to make sure that’s still feeling right as we go along.

Nope. We’re here to make sure your plan is sound and will give you advice on how to manage your money, but managing your money is not a condition for working with us together as a planning client. To be clear, though, we don’t just build plans for you to take home and put in a drawer. Each planning quote we provide also includes us working with you to execute on that plan as well.

Many of our clients do have us manage their money to ensure it is working according to their plans. Aside from making their life more comfortable, we offer savings when we do.

Life isn’t one-size-fits-all and neither is our approach to managing your portfolio. We don’t really have an average return to share because each of our clients’ goals and situations is different. As a result, their returns are different.

That being said, if you’re here for market-beating returns, we’re not the firm for you. Our goal to make sure you are educated about your portfolio risk, smart about taxes, cost-conscious about fees, and have a portfolio (and plan) that are based on what’s reasonable to expect using historical data, including the what-ifs.

Before we begin our work together, we’ll spend time learning more about the complexity and on-going work that will be needed to get you on your path. We’ll provide you with a quote to consider. Our financial planning process starts at $3000.

If you elect to work with us to manage your assets as well, our flat fee includes planning and asset management. We typically start at 1% for our combined work. Occasionally, this formula results in too high or too low a fee for the amount of work needed, and we’ll mutually agree to adjust your quote.