How We Work Together

Every client has unique goals, priorities, and financial circumstances. Whether you need ongoing planning, professional investment management, or help with a specific financial question, we'll work together to determine the best fit for your situation.

  • Investment Management is designed for clients who want ongoing professional management of their investment portfolio. I work with you to understand your goals, risk tolerance, time horizon, and financial circumstances, then build and manage a diversified portfolio aligned with your needs.

    Services may include:

    • Portfolio construction and management

    • Asset allocation guidance

    • Ongoing monitoring and rebalancing

    • Tax-aware investment strategies

    • Retirement account coordination

    • Regular portfolio reviews

    Fee

    0.50% annually of assets under management, billed quarterly in arrears.

  • Ongoing Financial Planning is designed for individuals, families, retirees, and business owners seeking continuous guidance across all areas of their financial life.

    We work together to develop, implement, and maintain a financial plan that evolves as your circumstances and goals change.

    Planning topics may include:

    • Retirement Planning

    • Tax Planning Strategies

    • Investment Analysis

    • Cash Flow & Debt Management

    • Insurance Review

    • Estate Planning Coordination

    • Employee Benefits Optimization

    • Business Planning

    • College Savings

    • Financial Goal Planning

    As an ongoing client, you'll receive proactive guidance and regular reviews throughout the year.

    Fee

    Initial Planning Fee: $2,000 – $5,000

    Ongoing Monthly Fee: $150 – $500 per month

    Fees vary based on complexity, planning needs, and the scope of services provided.

  • Hourly Financial Planning is designed for individuals seeking guidance on specific financial questions or decisions without entering into an ongoing planning relationship.

    Examples include:

    • Retirement readiness reviews

    • Social Security claiming strategies

    • Employer benefit decisions

    • Investment account reviews

    • Tax planning questions

    • College planning

    • Second opinions on financial decisions

    • Cash flow and debt management

    Clients receive objective advice focused on the specific issue they want to address. Implementation remains the responsibility of the client.

    Fee

    $250 per hour

    The final cost depends on the scope and complexity of the engagement.

Fees are negotiable and may vary based on the complexity of a client's situation and the scope of services provided. Please refer to Form ADV Part 2A for complete information regarding services, fees, and important disclosures.