Financial guidance for a meaningful life.

Yes, we are fiduciaries in every sense of the word. That means we are both ethically and legally obligated to act in your best interest - always. We believe recommendations should be made with the same care and diligence as if we were advising our own family. We do not sell products or earn commissions. For over 20 years, we’ve built our firm on trust, transparency, and doing the right thing - because it’s the right thing.

Our role is to be the central point of contact for all areas of your financial life. Our team includes CFP® professionals, CPAs, charitable planning specialists, and retirement income experts. And when legal, insurance, or lending expertise is needed, we coordinate closely with your existing advisor(s), or our trusted network of professionals to ensure nothing falls through the cracks. Our goal is simple: to help you make wise decisions across every dimension of your financial life.

We believe a sound financial strategy must include proactive tax planning. Unlike many advisory firms, we integrate tax strategy and tax return preparation under one roof. This allows us to help clients reduce tax liability today while planning wisely for tomorrow. Return preparation (personal and business) is optional but available for those who want unified oversight.

We currently serve approximately 300 families, with more than $500 million in assets under management. Most of our clients are retirees, business owners, or professionals preparing for retirement. We serve clients with portfolios ranging from $500,000 to $30 million+, valuing proactive advice, long-term thinking, and trusted relationships.

We meet with clients at least twice annually, with additional meetings as needed. We stay in regular contact through newsletters, market updates, and educational events throughout the year. Clients are always welcome to reach out - by phone, email, or in person - whenever something important comes up. We are on call for you.

As outlined in our client agreements, we charge a quarterly advisory fee of 0.375% (1.5% annually) for clients with at least $1,000,000 in assets under our management. This fee is deducted directly from managed accounts and decreases for larger portfolios. For example, clients with $4 million in assets pay an annualized fee of approximately 0.85%. Tax return preparation, if elected, is billed separately based on the complexity of the return(s). We’ll provide an upfront estimate so there are no surprises, and clients are only charged for the level of service they actually need. Ultimately, we believe that working with an advisor should bring greater clarity, reduced taxes, improved outcomes, and peace of mind - value that far exceeds the cost.

Absolutely. We’ve helped clients navigate business sales, family transitions, IRS audits, inheritances, health concerns, divorce, real estate decisions, college planning, charitable giving, and more. If it affects your financial life, we’re here to help - or connect you with someone who can.

We use Charles Schwab as the custodian for client assets. Schwab is one of the most respected financial institutions in the world, holding over $8 trillion in client assets and serving more than 15,000 independent advisory firms. Schwab holds your assets securely, and provides full transparency through 24/7 online access at www.schwaballiance.com. You receive statements and tax documents directly from Schwab, and you can always view your holdings and activity at any time.