What is "fee-only fiduciary"?

Fee-only: I'm paid by you, never by product commissions. Fiduciary: I'm legally + ethically required to put your interests above mine. Both matter — most "advisors" carry only the latter, and even that not always.

No minimum for planning. Investment management starts at $250K — below that, the fee-against-services math doesn't work for either of us.

Who custodies the assets?

Schwab. I never take custody. You see your accounts at schwab.com; I have view + trade permissions only.

Any time, no penalty. The plan + accounts are portable. We deliberately make this easy.

Fee-only · Fiduciary · CFP®

Money decisions, made calmly.

Fee-only fiduciary planning for families, founders, and retirees. Transparent flat-fee engagements. No product commissions, no kickbacks.

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CFP®-certifiedFiduciary by oathFee-only · no commissions$200M+ AUM

How we work together

Comprehensive planning

Full financial plan — investments, taxes, insurance, estate. Quarterly reviews. From $4,800/year.

Investment management

Evidence-based portfolios. Tax-loss harvesting. Direct-indexing where suitable. 0.85% AUM, capped.

Founders + equity holders

Pre-IPO planning, 10b5-1 design, concentration management, exit modelling.

Retirement income

Withdrawal sequencing, Social Security timing, Roth conversion ladders, healthcare cost planning.

Our process

Discovery (free)

A 45-minute call. We map your situation, you decide if we're the right fit.

Plan + onboarding

Full plan in 4 weeks. Custodial accounts at Schwab, secure document portal, written engagement letter.

Quarterly partnership

Quarterly reviews + ad-hoc decisions. Year-end tax-loss harvest. Annual plan refresh.

What clients ask

What is "fee-only fiduciary"?: Fee-only: I'm paid by you, never by product commissions. Fiduciary: I'm legally + ethically required to put your interests above mine. Both matter — most "advisors" carry only the latter, and even that not always.
What's your minimum?: No minimum for planning. Investment management starts at $250K — below that, the fee-against-services math doesn't work for either of us.
Who custodies the assets?: Schwab. I never take custody. You see your accounts at schwab.com; I have view + trade permissions only.
How do I leave?: Any time, no penalty. The plan + accounts are portable. We deliberately make this easy.

Schedule a free consult

Tell me a little about you + what you're trying to figure out. I respond within one business day.

Office
14 South Madison Ave, Suite 8
Phone
+1 (555) 555-0177
Email
plan@example.com

Practical. Reliable. On your side.

We've been in this work long enough to know what matters: clear communication, fair pricing, and getting the job right the first time. Everything else flows from that.

Licensed and insured — fully compliant, full documentation on request.
Transparent pricing — estimates in writing, no surprises on the invoice.
Responsive — calls returned within the business day, emergency lines after hours.

Track record

20
Years in business: 5,000+
Clients served: 4.9★
Google rating: < 24h
Average response

Ready to get started?

Reach out for a free initial estimate. We respond within one business day.

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