Relationship Options

We aren’t for everyone—and that’s intentional. 

If you’re simply looking for someone to manage a portfolio or provide occasional investment advice, we probably aren’t the right fit.

We work best with individuals and families who value comprehensive financial planning and want a trusted team to help coordinate the many financial decisions that come with retirement and life.

We aren’t the lowest-cost option—and we don’t try to be.

Doing so would mean cutting some of the services our clients value most. Instead, we focus on providing comprehensive advice, personal attention, and ongoing support across your financial life.

Our goal is to build long-term relationships and provide meaningful advice across your entire financial life—not to operate as a low-cost, investment-only manager.

Fees are based on your needs, the complexity of your financial situation, and the level of service you choose.

We offer two primary ways to work together:

Think of this as hiring an architect to design the blueprint.

We develop a comprehensive financial plan with recommendations covering areas such as retirement, taxes, investments, insurance, and estate planning.

We provide the blueprint. You are responsible for putting the recommendations into action.

• Typically a 3–6 month engagement
• Comprehensive financial planning
• You implement the recommendations
• Does not include ongoing investment management
• Flat-fee pricing

We design the blueprint—and help bring it to life.

In this relationship, we serve much like a general contractor. We help implement your plan, manage your investments, coordinate with your other professionals, and keep everything working together as your life evolves.

This is how we serve the majority of our client families.

• Comprehensive, ongoing financial planning
• Investment management and monitoring
• Implementation of planning strategies
• Coordination with attorneys, accountants, and other professionals
• Regular reviews and ongoing adjustments
• Fee typically based on a percentage of the household portfolio we manage

The difference is simple: With a plan-only engagement, we provide the blueprint. With an ongoing relationship, we help build, manage, and maintain it.

Our process is designed to determine whether we’re a good fit, identify where we can add value, and make managing your financial life easier.

We start with a conversation about you—where you are today, what matters most, and what you hope to accomplish. It’s also an opportunity for both of us to determine whether there may be a good fit.

If it makes sense to continue, we gather the key pieces of your financial life, including tax returns, estate planning documents, investment and retirement statements, and insurance policies.

This allows us to look at the bigger picture—not just your investments.

We meet again to share what we see, identify opportunities and potential concerns, and discuss where we believe we can add value.

We’ll also explain your relationship options, the services we would provide, and the cost—so you can make an informed decision without pressure.

Once we decide to work together, we begin developing your comprehensive financial plan and putting it into action. Our team coordinates the process so you don’t have to manage all the moving pieces.

• Paperwork: We handle onboarding, account paperwork, and transitions.
• Planning & Implementation: We develop and coordinate strategies across retirement, investments, taxes, estate planning, and insurance.
• Professional Coordination: We work with your attorneys, accountants, and other outside professionals to help keep everyone on the same page.
• Monitoring: We establish the systems needed to monitor your plan, investments, and progress going forward.

Financial planning isn’t a one-time event. We meet regularly to review your progress, address new opportunities or concerns, and adjust your plan as your life, goals, tax laws, and financial circumstances change.

The goal is simple: give you one coordinated process for managing the many financial decisions that come with retirement and the years ahead.

The best financial planning relationships are built on communication, trust, and participation.

You don’t need to become a financial expert—that’s our job. But we do ask you to stay engaged, keep us informed, and speak up along the way.

Meet with us regularly and take a few minutes to review and respond to important communications. We’ll do the heavy lifting, but your participation helps keep your plan moving forward.

Your financial life is connected to your real life. Changes involving your family, career, health, goals, or finances can affect the advice we provide.

The more we know, the better we can help. And, of course, the information you share with us is kept confidential.

You should understand the recommendations we make and why we’re making them.

If something is unfamiliar or unclear, ask. We want you to feel comfortable and confident in the decisions we make together.

If something doesn’t feel right, tell us. Your concerns, preferences, and priorities matter.

Open communication helps us address issues early and make sure your financial plan continues to reflect what matters most to you.

You can delegate much of the work to us—but never your voice in the process.