How We Are Compensated

We typically work with clients in the following ways: transactional, full service planning, investment management only, or pay-by-the-hour consulting. Regardless of the model you’re interested in, the initial 30 minute consultation is always at our expense and without obligation.

Transactional – You have a need and want to buy a product to meet that need. We are typically compensated by a commission from the company that offers the product. Examples are an investment account under $50,000 or a life insurance policy. In the future we will gladly review the account or policy at your request. Consulting services can be added at a discounted hourly rate of $225.

Full Service Planning – You want to prioritize your goals, come up with a plan on paper to reach those goals, and maintain a long-term relationship with an advisor to help you stick to the plan and make any necessary adjustments along the way. We manage both your planning and investments for an advisory fee that is a flat annual percentage of the assets we manage ($250,000 household minimum). There are no additional consultation fees

Investment Management Only – You want us to manage your investments with your goals and tolerance for volatility in mind. You want an ongoing relationship and future meetings with an advisor. We charge an advisory fee that is a flat annual percentage of those assets. These are typically accounts under $250,000. Consulting services can be added at a discounted hourly rate of $225.

Hourly Consulting – You want consulting and/or research on any number of topics. This is popular with “DIY” investors that want a second opinion on their portfolio and investment clients that do not meet the $100,000 minimum for full service planning. The hourly rate is $275 ($225 for current investment clients). Typical engagements (with estimated total hours) are listed below:

  • Retirement Consultation – 3 hours initially, 2 hours for an update
  • Insurance Consultation – 2 hours
  • Debt Management Consultation – 2-4 hours depending on complexity
  • Portfolio Research/Advice (assets we do not manage) – 3 hours initially, 2 hours for an update