How it works

Yes. As a fee-only Registered Investment Advisor, we are legally and ethically obligated to always act in our clients’ best interests. We take pride in our transparency and unwavering commitment to our clients—answering solely to you, never to outside interests.

Our typical clients are individuals and families with at least $1 million in investable assets, or those who are on a clear trajectory toward reaching that milestone. We work extensively with professionals, executives, business owners, and retirees who value thoughtful, evidence-based guidance for managing and growing their wealth.

Our clients often have unique financial situations, such as concentrated stock positions, equity compensation packages, or multi-generation wealth planning considerations. If you’re seeking a trusted advisor who understands the complexities of your financial life, we have the expertise and experience to support your goals.

Your total cost is comprised of three components:

1. Management fee: Our fee is 0.95% of assets under management, billed quarterly in arrears based on the average daily balance of your investment accounts.

2. Fund Operating Expenses: These average approximately 0.15% and represent the cost of operating ETFs or mutual funds, charged by the asset manager (such as Dimensional, Vanguard, or Blackrock).

3. Trade Fees: Trade fees are assessed by our custodian, Charles Schwab. On average, these fees total approximately $50-$100 per account each year.

We are committed to full transparency, so you always know exactly what you’re paying and why.

Our relationship begins with a comprehensive onboarding process, consisting of three meetings over six weeks. During this time, we get to know you, understand your priorities, and design a personalized financial plan. We’ll also facilitate the seamless transfer of your investment accounts to our custodian, Charles Schwab.

After onboarding, you’ll transition to our quarterly meeting schedule. Each quarter, we focus on a specific topic—such as investments, financial planning, or taxes—ensuring your strategy remains proactive and aligned with your goals.

We believe in an evidence-based, systematic approach to investing. Our strategies are grounded in data and academic research, not market trends or an active manager’s intuition.

Extensive research—including studies like SPIVA®—consistently demonstrates that the majority of active managers underperform their benchmarks. This pattern holds true across various asset classes, markets, and time horizons, with underperformance becoming particularly pronounced over longer periods. For instance, over the 15-year period ending December 2024, a striking 89.5% of U.S. Large Cap active managers trailed the S&P 500.

Our commitment is to deliver long-term results by controlling costs, maximizing tax efficiency, and constructing portfolios designed to capture higher expected returns. To achieve this, we typically utilize investments from leading providers such as Dimensional Fund Advisors, Vanguard, and BlackRock.

Every client’s situation is unique, which is why we tailor your asset allocation to your specific risk tolerance, risk capacity, and the goals outlined in your financial plan. This personalized approach is especially important for clients with concentrated positions, employee stock options, or other unique circumstances. Our objective is to ensure your portfolio is thoughtfully constructed to support your individual needs and long-term objectives.

We partner with Charles Schwab as the custodian for our clients’ assets. Charles Schwab is responsible for safeguarding your investments, maintaining accurate records, and providing you with account statements, tax documents, and trade confirmations.

No. We have never been disciplined for any unethical actions. Integrity and transparency are at the core of our practice, and we are fully committed to upholding the highest ethical standards in everything we do. Our clients’ trust is our most valued asset, and we work diligently to maintain it.