Yes. Since our founding in 1991, we have served as fee-only fiduciary advisors and act in our clients' best interests at all times.

We are compensated directly by our clients and do not receive commissions, referral fees, or compensation tied to products or services we recommend. We believe this minimizes conflicts and allows you to receive advice focused solely on your goals, needs, and long-term interests.

Our clients come from a variety of backgrounds, but most are financially successful individuals and families navigating increasingly complex investment, tax, estate, and financial decisions. Some are focused on building wealth, while others are preserving it across generations or managing significant life transitions.

We help coordinate these moving pieces so you can spend less time managing complexity and more time focused on what matters most to you and your family.

Our investment philosophy is guided by an internal committee that applies a disciplined framework focused on risk, taxes, and long-term objectives rather than short-term market sentiment.

We then manage your portfolio in a manner that reflects your goals, financial circumstances, income needs, and broader financial strategy.

You can expect to connect with us formally or informally two to three times per year, depending on your circumstances, planning opportunities, significant financial decisions, or periods of uncertainty.

At a minimum, we seek to connect with every client annually. Interactions may include emails, phone calls, virtual meetings, in-person meetings, or coordination with other professional advisors. We do not restrict access simply based on the number of meetings; communication is guided by your needs and agreed-upon scope of work, not a predetermined schedule.

You will work with a dedicated advisory team consisting of at least two advisors. Your relationship is also supported by client service, operations, investment, and financial planning professionals who help implement recommendations and manage ongoing service needs.

This team-based structure provides continuity, diverse perspectives, and consistency of advice while reducing key-person risk and supporting your family's changing needs over time.

We do not prepare tax returns or legal documents. Instead, we work closely with your CPA and estate attorney to help ensure your investment, tax, and estate strategies remain aligned.

We believe you are best served when each professional focuses on their area of expertise while collaborating to support informed, coordinated decision-making.

Our fees are fully transparent and clearly disclosed. You will see advisory fees reflected on your quarterly billing statements, while any custodial, transaction, or administrative fees are separately disclosed by the applicable provider.

Most clients evaluate value not only by investment results, but also by the confidence, tax efficiency, risk management, and decision-making support they receive over time.

We help you evaluate these situations through a process that balances taxes, timing, investment risk, liquidity needs, and personal priorities.

While every situation is unique, our initial focus is often on preserving options, understanding trade-offs, and reducing the likelihood of costly or difficult-to-reverse decisions. We then work with you and your other advisors to implement an appropriate strategy.

Following an initial meeting, qualified prospective clients may be offered a written Financial Assessment, typically completed over two to three meetings for a flat fee of $500.

The assessment provides a high-level review of your financial situation and highlights potential opportunities, risks, and areas that may warrant further attention. Common topics include investments, taxes, retirement planning, estate planning, insurance, and other financial matters. It also allows both you and our firm to evaluate whether an ongoing advisory relationship would be beneficial and a good fit. Some clients choose to bypass the assessment and move directly into an advisory relationship.

Before any accounts are transferred, we work with you to develop a mutually agreed-upon roadmap for the administration of your accounts.

In most cases, your existing holdings can be transferred in-kind to Fidelity or Charles Schwab without being sold, helping avoid unnecessary taxes and disruption. We refine the investment strategy together, evaluating your holdings, tax circumstances, cash needs, and objectives so your portfolio can be managed in alignment with your overall strategy.

Our initial focus is helping you gain clarity, establish priorities, and develop an action plan based on the scope of our engagement.

During the first several months, we typically meet multiple times to evaluate opportunities, address key risks, and implement agreed-upon recommendations. Depending on your circumstances, topics may include investment strategy, income tax planning, retirement planning, estate and legacy considerations, and other financial decisions that are important to you.

Meetings are designed to help you make informed financial decisions and stay aligned with your goals.

Early meetings often focus on understanding your circumstances, learning about and evaluating opportunities, and developing recommendations. As an ongoing client, discussions may include planning priorities, investment considerations, tax or estate issues, major life changes, and next steps. Depending on the topic, meetings may be educational, strategic, or decision-focused.