Accredited Fiduciary 

Why that matters...

As an accredited fiduciary, we are required by law and practice to act solely in the interests of and with undivided loyalty to our clients. Our advice and recommendations must align with your specific objectives, timeframe, and risk tolerance. When managing your assets, we must strive for an optimal balance of risk and return. We must exercise care, skill, diligence and objectivity in evaluating, recommending and reviewing investment options.  

 

Comprehensive Planning

Why that matters...

Think of a parent with one child at a playground. That parent should be able to keep a pretty close eye on that child, right? Now think of a parent with eight children at a playground. (Did your blood pressure just go up?) Each child is unique with different needs, and keeping each one well taken care of requires continuous monitoring. Your financial situation is like a family of kids at the playground. You have many facets — cash flow, tax planning, benefits, debt management, investment planning, retirement, risk management, estate planning, college and goal savings — and our concern is all of them. The whole family. Not just one kid.

 

Transparency 

Why that matters...

Transparency matters, especially when it comes to things like how we get paid. As an investment advisor, we either charge a fee based on the value of your account, or a flat fee direct to you. We don't take a commission based on our recommendations. And our fees are structured so that we do better when you do better. 

 

Here's where it gets tricky, though. We're also licensed brokers. That means if you choose to use us in a brokerage capacity rather than an advisor, we can recommend products and receive a commission. Wait, you just said you don't take a commission. That's true. As your investment advisor and fiduciary we're required by law to put your interests above our own. And we don't receive commission on products we recommend. But sometimes clients don't want an advisor. They prefer a broker because they want to make the trading decisions themselves. They just need someone to explain their options and execute the transactions. In that case we don't charge a fee, just a commission. 

 

It's a bit confusing, right? We recommend this resource to learn which option might be best for you:  Advisor or Broker.