Our Process
A Modern Way to Plan
Financial planning shouldn’t feel like a stack of PDFs and quarterly surprises. We blend human advice with modern technology so your plan stays current, collaborative, and effortless to follow.
Always‑on collaboration: A secure client portal keeps your net worth, accounts, and to‑dos up to date
Real‑time insights: Automated data aggregation and analytics surface cash flow trends, tax opportunities, and investment drift
Paperless, streamlined onboarding: Digital forms, e‑signature, and a simplified account‑opening experience with our custodian of choice, Altruist
Clear meetings, clear follow‑through: Every meeting is summarized with action items, and you get a living checklist you can track anytime
Tax‑aware by design: Scenario modeling shows the after‑tax impact of decisions before you make them
Security first: Bank‑level encryption, multi‑factor authentication, and strict data‑sharing controls
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We start with the why behind your money.
Short and long-term goals
Life milestones (marriage, kids, home purchase)
Prioritizing what matters most
Tradeoffs & timing decisions
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We help you understand where your money’s going and how to optimize it for your lifestyle.
Income vs. expenses
Savings targets
Debt payoff (student loans, credit cards, etc.)
Automating good habits
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We design investment strategies that are diversified, tax-aware, and goal-driven.
Asset allocation
ETFs & Direct Indexing where appropriate
Aligning investments to your goals
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Proactive tax planning helps you keep more of what you earn, especially as income rises or equity vests.
Tax loss harvesting
Tax liability projections
Annual tax review (in partnership with your CPA, if you have one)
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Having the right documents in place protects your loved ones and makes sure your wishes are honored. We’ll guide you through the process and connect you with legal help if needed.
Wills, trust, power of attorney, and healthcare directives
Beneficiary designations
Legacy planning
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Insurance isn’t exciting, but it’s essential. We evaluate what protection you already have and what you actually need.
Life, disability, and umbrella insurance
Employer benefits and gaps
Risk exposure review
Pricing
Simple. Transparent. No Hidden Fees.
Great financial advice should come with clarity, not confusion. That’s why we use a straightforward pricing model that reflects the value of both investment management and ongoing planning.
Investment Management
1% on AUM
This is an annual fee, charged monthly, and based on the assets that we are managing
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Financial Planning
$200/per month
This fee is waived if your accounts with us total over $500k in value
Our Investment Philosophy
Active management rarely wins consistently. Most active strategies lag their benchmarks after fees and taxes. If consistent outperformance is unlikely, the rational choice is to track the index.
Passive ETFs
Market‑wide diversification: US stocks, international stocks, and bonds via broad, low‑cost ETFs.
Low fees, transparent exposure: We prefer funds that tightly track their indexes and keep expenses minimal.
Rules‑based rebalancing: Portfolios drift as markets move. We rebalance to your targets on a schedule and when thresholds are reached.
Direct Indexing in Taxable Accounts
What it is: Instead of owning a single index fund, we own individual stocks that replicate the index. That lets us manage taxes at the position level.
Tax‑loss harvesting: We systematically realize losses and offset gains and income, while maintaining similar market exposure using wash‑sale–aware replacement rules.
Portfolio Transitions: We can set up capital gains budgets in accounts to transition taxable assets over time so we’re not realizing a large capital gain right away.
Basis management: We lot‑track to optimize which shares to sell when cash is needed, helping minimize capital gains over time.
Let’s Build Something Together
If you’re looking for a financial partner who’s in it with you for the long haul, let’s talk.