Asked plainly, answered plainly.

A single advisory fee on assets under management, billed quarterly: the advisory fee ranges from 0.62% to 1.12% of the assets we manage — tiered and blended, calculated on your quarter-end value and billed quarterly in advance (a flat retainer is available where it fits a household better). You also pay third-party platform fees of roughly 0.12%–0.30%, plus any fund internal costs. The relationship generally begins at $250,000 of investable assets, which we may waive; financial planning carries a 50% deposit that is waived and credited if you enroll in investment management. No commissions, no product compensation, no third-party payments — the full schedule is in our Form ADV and on the Pricing page.

Your assets are held by independent qualified custodians — currently Charles Schwab and Fidelity Investments. Intellicapital takes no physical possession; limited deemed custody arising from fee deduction and standing authorizations is disclosed in Form ADV. You can verify every position on the custodian’s own statements.

The deliverable of the relationship: an eleven-chapter living document — your plan, positions, decisions, tax work, estate audit, and fees — composed by BAFAos, reconciled, signed, and bound annually. Last year’s folio stays on the shelf; the record lengthens for as long as we work together.

Yours. The plan of record comes first, and the portfolio is built to serve it — allocation derived from your goals, horizon, and risk capacity, selected from roughly five thousand institutional strategies on the Adhesion Wealth platform. Every move is recorded as a decision with a reason and a name. No two households hold the same plan.

No — and that’s deliberate. We coordinate: tax work is surfaced with numbers and decided with your CPA (whose preparation fee we reimburse annually — up to $400 under $1M in assets, up to $825 at $1M and above); estate documents are created through Wealth.com at no additional advisory fee and reviewed with your attorney. We make sure the professionals who act see the whole picture — and that what they sign matches what the accounts do.

BAFAos, the operating system Michael built for the firm, puts AI to work in four places: modelling your whole household, using a dated registry that contains 502 versioned planning rules — applicable checks may be evaluated against the facts available for a household — to surface what nobody thought to ask about, building and pricing the alternatives, and drafting and reconciling the paperwork.

It is never the decision-maker. Machine intelligence proposes; human authority decides. Client-facing recommendations are reviewed by a supervised person before delivery, and artifact-bound approval remains a governed build target. Anything the system can’t reconcile is flagged as unknown, and a check it lacked the facts to run is reported as insufficient data — never as nothing found. The whole system is described here.

The principals — there’s no one else. Michael McAlpin (Managing Partner & CCO, CFP®) and Rob Fremont (Managing Partner) share every household; Karin Getka coordinates the planning work. No associate layer, no call center, no hand-off.

Quarterly reviews, an annual folio re-binding, and a plainly-written letter signed by a named person — plus out-of-cycle work whenever life moves: a sale, a birth, a refinance, a change in the law. Material advisory decisions are retained in the firm's records so the advisory team can explain what was done and why.

You can end the relationship at any time with 30 days’ notice. There are no exit fees and no lock-ups, and everything is yours to take — the folio, the ledger, the documents. Assets stay at your custodian throughout, so leaving is an instruction, not a negotiation.

At the source. Our registration, fees, conflicts, and history are on the SEC’s public IAPD database (CRD #316908); Form CRS is short enough to read before you sign anything. And the decision ledger on your own household is producible on demand — ask what was done in any quarter, and why.