Frequently Asked Questions

  • We specialize in tax smart retirement planning and asset management for a flat fee.

    We begin by creating a financial plan around your values and goals. We then decide on spending plans, asset allocations, and tax management strategies. We think through your Social Security claiming options, healthcare, estate planning, and insurance planning. We manage your assets to remain consistent with achieving your goals, and refresh your plan regularly as life happens.

  • We are likely to be a good match if you:

    • are over 50,
    • are preparing for (or in retirement),
    • do not want to overpay your taxes,
    • live below your means,
    • value being educated about your financial choices
    • recognize that upfront planning can make a big difference
    • are kind
  • A flat annual fee, $6,000 per year. We bill quarterly, in arrears.

    Most advisors charge based on the "Assets Under Management". The industry average fee is 1%, so if you have 1,000,000 with an advisor, you would be charged $10,000 per year. With our flat fee structure, we ensure that you receive optimal value without being penalized for a larger account balance.

  • We are a transparent flat fee firm. That means that our compensation comes solely from our clients in a set fee agreed to up front. That fee is currently $1,500 a quarter paid in arrears. We do not accept payment from any of the product or service providers that we recommend.

  • We do. If you are most interested in a one-time advice-only financial plan, we charge $7,600, with half up-front and half at completion. This service extends over 3 months. 

  • We believe in a well-diversified, low-cost, buy-and-hold approach to investing. For most situations, we recommend tax efficient ETFs from Vanguard or Dimensional. The allocation between fixed income and equities is determined by your risk appetite and the timeframe you expect to need the funds.

    We do not recommend individual stocks or bonds.