Challenging you to think differently about your money

INVESTMENT PHILOSOPHY

As a fee-only Fiduciary, we only recommend products that are right for you. We never receive commissions so you can trust that we are working for you, and you alone.

My strategy focuses on utilizing exchange-traded funds and individual stocks to diversify, reduce costs, increase tax efficiencies and manage risk. To ensure a comprehensive financial plan, we also look at potential investments held outside of my management (e.g., employee stock options) and include those in the your overall financial picture.

Because investment growth is impacted by the relationship between time and volatility (risk), we help you select investment choices that work for your timeframe as well as your risk tolerances, so that you can benefit from compound interest and feel comfortable with your investments. 

HOW I CHARGE

If the client has a minimum of $250,000 investable assets, we offer an all-inclusive fee for planning and management of assets.  

The fee schedule is as follows: 

Assets Under Management
Annual Fee
$0 – 500,000 
1.00%
$500,001 – $1,000,000 
.90%
$1,000,001 – $3,000,000
.75%
$3,000,001 – $6,000,000  
.60%
$6,000,001 – $10,000,000 
.40%
$10,000,001 + 
.25%

BEHAVIORAL FINANCE

Behavioral finance identifies and understands why people make certain financial choices. All investors, to varying degrees, are not always rational, have limits to their self-control and are influenced by their own biases. These biases affecting our investment behaviors can result in suboptimal portfolios or greater risk of losses. 

We have preconceived notions about finance that are too stressful to
discuss. We get embarrassed that we should already know things that we
don’t. So, we turn away or make uninformed decisions based on biases
that occurred in our past.

We aim to mitigate the impact of these biases by creating a tactical strategic investment plan customized to you. By having a collective understanding of your risk appetite, the purpose of each investment within your portfolio and the details of your implementation plan to meet your strategy, you will achieve greater confidence and comfort in your investment plan. 

You will be better equipped to weather market dips and take advantage of market fluctuations with compounding interest and dollar-cost averaging.

Optimal investment solutions begin with a full understanding of your behavioral biases and risk tolerances within the application of the latest technology platforms. The result is a tactical and strategic investment plan customized to you.