We use an advisory fee based on the size of your accounts with us. What that means to you: we focus on taking care of your money — not on moving things around or adding money to generate commissions. We do better when your accounts grow and/or you entrust us to manage more money for you. The advisory fee is based on the end of each quarter’s account value and deducted from your account about ten days later. You don’t have to write a check or have money deducted from your bank account to pay for our service.

The initial phase working together tends to involve more frequent meetings or calls while we get to know each other and make progress on your overall plan. If there are no major decisions to make or significant changes to discuss, we may talk briefly just two to four times a year.

When there are major life or financial issues to work on – nearing retirement, family changes (marriage, baby, kids to college, moving, death, divorce), job changes, major purchase decisions (homes, businesses, vehicles), inheriting money, etc – we may have a flurry of conversations again.

We never force you to spend more time than you want to talking with us, but we do need to keep in touch with your situation, goals, and financial situation to fulfill our professional obligation and do the best job possible for you. We aim to deliver just the right amount of detail for you to feel informed and comfortable with your planning, but never dread sitting through boring meetings looking at charts when you’d rather be doing something else! Luckily, WE don’t think this stuff is boring – but we understand that some people do.