Frequently Asked Questions

WHAT SEPARATES US FROM OTHER INVESTMENT ADVISORS?

We are independent and have no proprietary products which mean we are not compelled to recommend investments for which we have an economic benefit. Our recommendations are based solely on what is most appropriate and suitable for our Clients’ specific financial situation.

WHAT DOES BEING A FIDUCIARY MEAN?

A fiduciary has an obligation to act in the best interest of his/her clients in managing the clients’ assets, rendering investment advice, and trading in clients’ accounts. This obligation comes with an extremely high level of trust, and fiduciaries must not engage in any activity that would be considered a violation of this trust.

WHAT IS A FEE-ONLY INVESTMENT ADVISOR?

Fee-only investment advisors are not compensated by commissions from selling investment products. Instead, they are compensated by fees. The fees can be hourly, a flat fee, or a fee based on the amount of assets under management (AUM).

WHAT IS YOUR INVESTMENT MINIMUM?

The account minimum is $500,000.

WHAT ARE YOUR FEES?

We charge a percentage of total assets under management. These fees are explained in detail in our Form ADV Part 2A Firm Brochure available on this web site.

WHERE IS MY MONEY KEPT?

Charles Schwab & Co., Inc. serves as the custodian for all client accounts.

WILL I KNOW HOW I AM INVESTED?

Yes, your account is available online through www.schwab.com.