We quote your fee in writing after the first conversation, when we understand the scope of the work. There are no commissions, no product sales, and no account minimums.
Single engagement
per hour
Typical engagement runs two to four hours
For a specific question or decision that calls for a professional opinion rather than a complete plan.
Focused session on one or two subjects
Written summary of the recommendations
Review of the documents relevant to the question
No ongoing commitment of any kind
Best suited to: Households who manage their own finances and want a considered second opinion on one decision.
Most requested
one time, starting at
Delivered over four to six weeks
A complete plan covering the whole of your financial life, with a prioritized list of actions to take.
Discovery meeting and full document review
Retirement, tax, insurance, and investment analysis
Written plan with a prioritized action list
Two follow up meetings within the first year
Best suited to: Families who want a thorough roadmap and are comfortable carrying out the recommendations themselves.
Continuing relationship
per month
Billed monthly, no long term contract
Continuous planning for households that want an advisor available to them throughout the year.
Annual plan refresh and progress review
Two scheduled meetings each year
Unlimited questions between meetings
Coordination with your accountant and attorney
Best suited to: Households whose circumstances change often, including business owners and those nearing retirement.
A complimentary meeting where we discuss your situation and decide together whether our services are a suitable match.
We describe the scope of the work and quote the fee in writing before anything is signed or charged.
You receive the analysis, the written recommendations, and the meetings needed to put the plan into practice.
Households that ask us to manage their portfolios pay a single annual advisory fee, billed quarterly and calculated on the balance we oversee. The rate decreases as the portfolio grows, and clients on this arrangement receive ongoing financial planning at no additional charge.
Fund expenses and custodian trading costs are charged separately by those providers and are disclosed to you before any account is opened.
Portfolio Value
Annual Rate
First $500,000
1.00 percent
Next $500,000
0.85 percent
Next $1,000,000
0.70 percent
Above $2,000,000
0.55 percent
No. The introductory conversation is complimentary and is used to determine whether our services match what you are looking for. There is no obligation to continue afterward.
There is no minimum. The hourly and flat fee options exist precisely so that households who do not want investment management can still receive professional advice.
The quoted plan fee begins at the figure shown and rises only when the situation involves business ownership, equity compensation, or similar complexity. Any adjustment is agreed in writing before work begins.
Planning fees are invoiced directly and may be paid by check or electronic transfer. Investment advisory fees are calculated quarterly and deducted from the managed account.
Yes. The monthly retainer may be adjusted or discontinued at any time with written notice. There are no cancellation charges and no long term contracts.
It means our compensation comes entirely from the fees our clients pay us. We accept no commissions, no product sales income, and no payments from third parties for referring business to them.
You do not need to know which package is right for you. Start with a complimentary conversation and we will help determine the most appropriate approach for your financial needs.