Services

One fee.
Every part of your financial life.

$7,500 per year, per household

Our annual fee is the same, whether you have $750,000 or $10 million. It is billed monthly, in arrears. We are a fee-only firm, meaning we receive no commissions, revenue sharing, or third-party compensation of any kind. The only money we're ever paid is the fee you pay us.

What we do, and how we do it

Five areas of the work. Open any of them for the real detail and how we actually think about it.

Investment management

Discretionary portfolio management, with accounts custodied at Charles Schwab
Factor-based global equity portfolios built on decades of academic research, tilted toward small-cap value and high-profitability companies, through the use of ETFs.
Allocation guidance for accounts we can't hold directly such as 401(k), 403(b), HSA, and deferred comp
A dedicated plan for concentrated stock, RSUs, ISOs, and ESPP positions
Ongoing rebalancing as markets move and your plan changes

Tax planning

Annual review of your actual filed return, used to plan the next one
Roth conversion analysis, modeled year by year against your real income, revisited annually
Charitable giving strategies such as donor-advised funds, qualified charitable distributions, and bunching to maximize deductions
Low-turnover, tax-efficient investment strategies
Direct coordination with your CPA or tax preparer as needed
Distributing your portfolio for retirement income in the most tax-efficient manner

Retirement planning

Retirement income projections, what you can spend, and from where
Social Security claiming analysis against your actual earnings record
Medicare and IRMAA planning, coordinated with your tax picture
Pension election review, lump sum vs. annuity, and survivor options

Family and protection

Estate document and beneficiary designation review
Education funding strategies and analysis, 529s,UTMAs, Trump accounts
Debt paydown analysis

Ongoing access

Two scheduled reviews each year
Unlimited calls and emails in between
A client portal with plan updates as your situation changes

What we don't do

Part of being straightforward about what's included is being straightforward about what isn't.

Preparing or filing your tax return Your CPA does this, and we plan around it and speak with them directly.
Drafting your estate documents Your attorney does this, and we review what you have and coordinate changes.
Selling insurance We can recommend high quality, trustworthy insurance agents to you.
Trading inside your 401(k) or 403(b) We will log in with you and make sure the trades are placed appropriately as needed.

We are not right for everyone

This tends to work well if

You want someone to take work off your plate, not hand you homework
You value the transparency and pricing of the flat fee model
You are looking for an alternative to your existing advisor
You need more confidence in your financial plan

This is the wrong firm if

You want to keep managing your own investments. There are firms that exist for that, but we are not one of them
You are not willing to move your accounts to Charles Schwab, which we require
You are looking for someone to pick stocks or time the market
$7,500 is a large share of your portfolio. We have no minimum, but we will say so plainly

How we get started

1

An introductory meeting or call

You tell us what is going on. We tell you if we can help. If we are not the right fit, we will say so on this call, and we will usually know someone who is.
2

We look at what you already have

Before you commit to anything, we analyze your existing positions and outline what we would actually change. You see our recommendations before you become a client, not after.
3

You take your time

This is not a decision to make in a meeting. Sit with it. We do not follow up with pressure, and there is no offer that expires.
4

We build the plan and manage it

Accounts move to Schwab, the portfolio gets built, and the planning work above begins. We review twice per year, and any time in between that you need us.

Start with the call.

Schedule a call See the fee comparison

What we do, and how we do it

What we don't do

We are not right for everyone

This tends to work well if

This is the wrong firm if

How we get started

An introductory meeting or call

We look at what you already have

You take your time

We build the plan and manage it

Start with the call.

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