How do you communicate with your clients?

We meet with our clients in person, virtually, or via phone. 

Are you a fiduciary? 

The regulatory framework around fiduciary status has gotten more attention in recent years.  Simply put, the fiduciary standard of care requires an advisor to put the interests of the client ahead of their own.  This standard of care applies to our financial planning services and recommendations made throughout the financial planning process.  It also applies to advisory and retirement accounts.  At times we may offer products that do not fall under the fiduciary standard.  When we do so, we continue to put the interest of our clients first.

Do you offer insurance?

Yes, our office offers the following lines of insurance:

• Life Insurance
• Long Term Care Insurance
• Disability Insurance

Insurance often comes up in the financial planning process and we work in coordination with your property and casualty, health insurance, and commercial agent. 

How are you compensated?

There are three ways we get paid: 

1. Financial planning fees- we offer holistic financial planning to help you make decisions based on your whole financial picture.  We charge a fee for the work that we will do based on complexity and the amount of time we expect to spend on your plan.  Our clients pay us directly for those services on a monthly, quarterly, semi-annual, or annual basis. 

2. Advisory fees - on the assets that we manage for you.  We charge an annual advisor fee based on the balance of your account.  This fee charged quarterly.  If your account balance is $100,000 and your annual fee is 1.25%, you will pay $1,250 per year and that would be broken out into 4 quarterly payments.  Advisory fees are paid directly from your account.   

3. Commissions- At times we offer investments that charge a commission, which we will disclose. We also earn commissions when we assist our clients with the purchase of an insurance policy through our office. In these instances, the insurance company pays us directly, there is no extra cost for us assisting in that purchase.

Are you an independent advisor?

Yes.  Being an independent advisor means that we operate independent from any specific financial institution or product provider.  We view investment and insurance products as tools that will help our clients accomplish their goals.  Being independent allows us to take a client-centric approach and prioritize the needs of the client when selecting tools for the job.