At the heart of what we do is managing money. We are fiduciaries and always put your interests first. We are fee-only advisors and do not take commissions.
Our philosophy is based on risk-awareness, tax efficiency, low cost investment vehicles and common sense. We base our investment approach on rigorous, analytical methodology from strategic partners including The Vanguard Group, University of Chicago Booth School, Morningstar and Dimensional Fund Advisors (DFA).
Based on conversations with you, we will agree on an appropriate asset allocation. We do independent research on investments and tailor the portfolio to your preferences. We actively monitor your portfolio and rebalance when appropriate. If we feel a course correction is needed, we won’t hesitate to pick up the phone and call you.
We use sophisticated software to analyze economic scenarios, risk levels, tax issues, performance by entire portfolio as well as individual securities, and current events.
We prepare an Investment Policy Statement that is reviewed with you annually. We are discretionary money managers, so we don’t hesitate to make necessary changes as long as they align with your policy.
You have online access to your accounts anytime you choose. You can see your accounts at Charles Schwab, our custodian, or through our app. You will receive quarterly statements from us showing progress over the past rolling twelve-month period.
Our team of experts will work with you on your cash flow needs. No matter if you are actively adding to your accounts or if you are in a draw-down phase, we will help you set up regular cash deposits or withdrawals to the financial institution of your choice.
You’ll receive periodic alerts when we want to communicate with all clients on issues of interest. You’ll have access to thought leadership articles that are posted on our website and emailed to you. We will work with you to find a meeting schedule that works for you—in person or by phone. Most clients choose to meet once or twice a year depending on the complexity of the situation. You are always welcome to call or email with questions as they come up. You can count on a response within 24 hours in most cases.
If we are managing over $1 million in assets, additional services are generally included. If not, we price these separately.