fi·​du·​cia·​ry\ fə-ˈdü-shē-ˌer-ē \

of, relating to, or involving a confidence or trust

Investment Services

ALIGNING INTEREST ON A FEE-BASIS

Our investment management services are provided solely on a fee-basis. We do not make commissions, and we do not get paid differently based on what investments we choose. We only get paid directly by the client. This fee is always clearly & transparently disclosed on each statement. Additionally, we do not receive any form of compensation from our partners. We believe this directly aligns our interests with our clients, allowing us to make the best recommendations possible without any concern for the presence of conflict of interests. Also, with our current custodian partner, we only pay fees on a basis point level. Meaning, we do not have any direct transaction costs. We can always make what we believe the best decision is without any concern for trade restrictions of size or cost.

Transparent

It is easy for our clients to see what we were paid. If you can not find your advisors' fee, look closer. It may be disguised in commission and difficult to understand. We disagree with these practices, which is why we are solely fee based for our investment management services.

Aligned with You

Are you aware of how some advisors are incentivized based on the investment products they sell? There could be potential conflicts of interest. Our investment services do not receive any form of commission, removing this concern. Additionally, if we choose poor investments that lose value, since we are fee-based, our fee will also decrease.

Insurance Products

NEEDS BASED ANALYSIS

When we make recommendations for insurance products such as life or disability insurance, it is on a needs basis. Meaning, we take time to plan with the clients and show exactly what shortfalls may occur and protect for those unfortunate outcomes. We believe insurance should only be used for the protection of a certain risks and not as an investment vehicle. In most cases, there may better investment options for your long-term goals rather than an insurance product. Additionally, due to our independence, we have the benefit of accessing insurance products from a large pool of strong providers with competitive pricing.

Long-term Planning

We take the time to explain the different types of insurance products and what would fit a client’s personal long-term plan.  The amount and type of coverage should be based on the overall needs of a client and reviewed periodically as needs tend to change over time.

Needs Based Analysis

How do you know if your current coverage is meeting both your current and long-term needs?  It can be a confusing maze and difficult to actually understand your own coverage.  Let us assist you in reviewing both your current coverages and take a fresh look at your actual needs within a long-term financial plan.

We strive to provide unbiased & independent wealth management services to a discerning clientele.

Curious if we can help you?

Contact us today for a free initial consultation. There is no commitment, and it never hurts to get a second opinion. But, we understand you may not be ready for a conversation yet. If that is the case, head over to our "Clientele" page and find a demographic that most resembles your situation. You will be able to see specific examples on how we might be able to help.

Contact UsClientele