What People Often Ask

How do you charge for your services?

We are compensated for our services in two ways. First, many of our clients have a portion of their assets invested in a managed account. Our managed accounts are charged an annual fee for service that is deducted from the investment account on a quarterly basis*. We would be happy to discuss this compensation model with you and provide you our fee schedule.

We may also recommend products that provide compensation to our firm based on a commission schedule. In this situation, we are compensated by the product company. You will never be asked to pay a management fee related to a commissionable product.

Finally, we practice full disclosure. We will discuss each product recommendation with you in detail and thoroughly explain the costs and benefits of each. Then, we will help you determine the most suitable strategy for your unique situation.

How often will you communicate with me?

We believe in communicating often and in multiple ways. Our clients receive a Weekly Market Commentary by email, Monthly Email Newsletter, printed quarterly consolidated reports, other printed client communications. We are here for you whenever you need us. You can call or e-mail us anytime, and we can schedule a meeting whenever you have an issue that you would like to discuss in person. The first year we work with you we typically meet at least three or four times. During second and subsequent years we will always try to schedule at least one meeting per year to revisit your financial plan. We will also call or e-mail you anytime we think there is action you need to take, either in response to changes in the investment climate or due to changes in your particular investment holdings. If we provide investment management services for you, you will also receive periodic investment reports from us. You'll receive monthly or quarterly statements from your account custodian, plus comprehensive quarterly reports from us.

Will you keep my personal information confidential?

Absolutely. You are entrusting us with very valuable and personal information, and we take that responsibility very seriously. We don't disclose any information about you to anyone without your permission.

*We primarily offer fee-based advisory services charging a flat fee based on a client's total assets under advisement. However, if deemed appropriate and in our client's best interest, we also provide commissioned brokerage services. Though our financial advisor provides clients with great care and recommendations, advisors only have a legal fiduciary obligation to advisory clients.

In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2 as well as the client agreement.