Fees & Pricing

Transparent Compensation Designed to Align Our Success With Yours

We believe financial planning should be comprehensive, transparent, and delivered in a way that puts the advisor and client on the same side of the table.

Schedule a Conversation

Our philosophy

Why Compensation Transparency Matters

Every financial recommendation has an incentive structure behind it. The question is whether those incentives align with the client or with the advisor.

We believe clients should understand exactly how their advisor is compensated and what services are included in that relationship. That transparency is foundational to the kind of advice we want to provide.

Fiduciary responsibility

As fiduciaries, we are legally and ethically obligated to act in your best interest. Recommendations are driven by your goals — not by what generates compensation for us.

No commissions

We do not receive commissions for recommending specific investments, insurance products, or financial solutions of any kind. Our compensation comes directly from clients — not from third-party product providers.

No proprietary products

We do not have a preferred fund, annuity, or investment product that pays us more than another. Recommendations are made based on what best supports each client's goals.

No hidden incentives

Our fee structure is disclosed clearly and in writing. There are no referral fees, revenue-sharing arrangements, or compensation structures that could influence the advice you receive.

What we do

Advice Goes Beyond Investments

Many people assume financial planning is primarily about investment management. In our experience, some of the most valuable planning conversations have little to do with selecting a fund — and everything to do with coordinating the decisions that shape long-term financial outcomes.

Retirement Planning

Income planning, Social Security timing, withdrawal strategies, and retirement readiness analysis.

Tax Planning

Roth conversion analysis, tax-efficient investing, withdrawal sequencing, and proactive coordination with CPAs.

Social Security & Medicare Planning

Claiming strategy analysis, Medicare enrollment coordination, and IRMAA planning.

Equity Compensation Planning

RSU strategy, vesting coordination, concentration risk, and tax planning around equity compensation events.

Estate Planning Coordination

Beneficiary review, account titling, and collaboration with estate attorneys to align intentions across the plan.

Charitable Giving Strategies

Donor-advised funds, qualified charitable distributions, and tax-efficient giving strategies.

Ongoing Investment Management

Diversified portfolio construction, tax-aware rebalancing, and investment decisions coordinated with the broader financial plan.

Investment management fees

Fee Schedule

Our investment management fee is calculated as a percentage of assets under management and billed monthly. As portfolio size increases, the applicable percentage declines.

Common questions

Frequently Asked Questions

How are advisory fees collected?

For investment management relationships, advisory fees are generally deducted directly from the accounts we manage. All fees are clearly disclosed in the client agreement and reflected on account statements. There is no separate invoice or check to write.

Is financial planning included in the advisory fee?

For most ongoing investment management clients, financial planning is included as part of the relationship. This often includes retirement planning, tax planning, investment planning, estate planning coordination, charitable planning, and ongoing guidance as life circumstances evolve. There is no separate charge for planning conversations, reviews, or coordination.

Why do larger portfolios pay a lower percentage fee?

As assets grow, many aspects of the planning relationship do not increase proportionally. Our tiered fee schedule allows us to continue providing comprehensive planning and investment management while sharing the benefits of scale with clients.

Do you work with clients who don't have investment assets yet?

In certain situations, we may engage clients through a standalone financial planning relationship. These arrangements are typically reserved for individuals who need thoughtful advice but do not yet require ongoing investment management. Because every situation is unique, planning fees vary based on complexity and scope.

Are there any additional fees I should expect?

Client assets are held at independent, third-party custodians. Custodial fees, if any, are separate from our advisory fee and are disclosed clearly. There are no hidden fees, revenue-sharing arrangements, or compensation structures beyond what is disclosed in the client agreement. We are happy to walk through all costs during an initial conversation.

Start the conversation

Transparent Advice Starts With a Transparent Relationship

Whether you have questions about our fee structure, the services we provide, or whether we might be a good fit, we are happy to have that conversation — with no obligation and no pressure.

Schedule a Conversation

Prefer email? Contact us directly.