Nothing about your money should be a surprise.
How we charge, where our loyalties sit, and what we put on the public file — stated plainly, in one place, before you ever ask.
One fee. Fully disclosed.
A single advisory fee on assets under management — calculated on your quarter-end value and billed quarterly, in advance. No commissions, no product compensation, no payment from any third party. Separately, third-party platform fees (≈ 0.12–0.30%) are charged by the custodial platforms and disclosed; fund internal expenses are separate and stated in each fund’s prospectus.
Rates are tiered and blended — each band applies only to the assets within it. The advisory fee covers investment management, financial planning, tax coordination, and estate coordination as one integrated relationship; the full schedule and any minimums are stated in our advisory agreement and Form ADV Part 2A.
Three things we won't do.
We sell nothing.
No products, no proprietary funds, no commission on any transaction. We have no shelf to push and no quota to hit. The advice has no second agenda.
We don’t hold the money.
Your assets sit at an independent qualified custodian. We take no physical possession; limited deemed custody (fee deduction, standing authorizations) is disclosed in Form ADV. You can verify every position at the source.
Conflicts, disclosed first.
Any conflict of interest is disclosed before it’s encountered, in plain language — not buried in a footnote you’d find only after it mattered.
The same documents an examiner reads.
Transparency that lives only in a sales conversation isn't transparency. The firm's disclosures are filed, public, and current — available to you before you become a client and for as long as you are one.
"The proof of a fiduciary is what they're willing to put on file."
Ask us anything. Before you commit.
Bring the hard questions — about fees, conflicts, or how we'd handle your situation. A transparent firm has nothing to defer.
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