01
Comprehensive planning
Full financial plan — investments, taxes, insurance, estate. Quarterly reviews. From $4,800/year.
Fee-only · Fiduciary · Certified planner
Money decisions, made calmly.
Fee-only fiduciary planning for families, founders, and retirees. Transparent flat-fee engagements. No product commissions, no kickbacks.
Certified financial planner
Fiduciary by oath
Fee-only · no commissions
$200M+ advised
01The practiceIndependent since 2009
- 15
- Years advising
- $200M+
- Assets under advice
- 96%%
- Client retention, 5-year
- 0
- Commissions taken, ever
02ServicesFlat fees, in writing
How we work together
02
Investment management
Evidence-based portfolios. Tax-loss harvesting, direct indexing where suitable. 0.85% AUM, capped.
03
Founders + equity holders
Pre-IPO planning, 10b5-1 design, concentration management, exit modelling.
04
Retirement income
Withdrawal sequencing, Social Security timing, Roth conversion ladders, healthcare cost planning.
Advice with nothing to sell.
Fee-only means the only cheque in the relationship is yours — no fund kickbacks, no insurance commissions, no quiet incentives. What's left is the plan, and whether it works.
- Fiduciary on every account, in writing
- Flat fees quoted before engagement
- Assets held at an independent custodian — never in ours
03The first 90 daysDiscovery is free
From first call to working plan.
Discovery (free)
A 45-minute call. We map your situation, you decide if the fit is right. No documents needed yet.
Plan + onboarding
Full plan in four weeks. Accounts opened in your name at an independent custodian, secure document portal, written engagement letter.
Quarterly partnership
Quarterly reviews + ad-hoc decisions as life happens. Year-end tax-loss harvest, annual plan refresh.
Fees
What we charge, in full
Every number below is written into the engagement letter before anything begins. A fee-only firm that keeps its fee for the second meeting has already told you something.
Planning
- Discovery call45 minFree
No documents needed
- Comprehensive plan, first yearfrom $4,800
- Ongoing planning thereafterfrom $3,600
Per year, quarterly reviews
- Standalone plan, no management$4,800
Four weeks, 90-minute walkthrough
- Hourly consultationPer hour$350
Investment management
- First $1M0.85%
Per year, of assets advised
- $1M to $3M0.65%
- Above $3M0.45%
- Household fee cap$28,000
Per year, whatever the balance
- Minimum to open$250,000
No minimum for planning alone
Never charged
- Product commissionsNone
We take none, from anyone
- Fund or insurance kickbacksNone
- Account transfer or exit feeNone
Leaving is deliberately easy
- Questions between reviewsNone
Fees are billed quarterly in arrears against the account, so they show on a statement, not an invoice. The custodian charges its own fees; those are theirs, disclosed up front, and we take none.
Client voices
Calm is the deliverable.
5 out of 5 stars
“We came in with a tangle of accounts, RSUs, and guilt about both. Two meetings later we had one plan, one page, and a number we finally believed.”
A
A client since 2019
Tech founder household
And 1 more review
Plain language
The words the industry hides behind
Most mis-selling happens inside vocabulary. Here is the vocabulary.
- 10b5-1 plan
- A pre-arranged schedule for selling company shares, set up while you hold no inside information, so the sales can proceed later without accusation. The design of the schedule matters far more than most people are told.
- Assets under advice
- The total value of what a firm manages or advises on. It measures the size of the practice, not the quality of the advice — and it is the number almost every firm leads with, including this one.
- Basis point
- One hundredth of a percent. A fee quoted as 85 basis points is 0.85% of your money every year. The unit exists partly because it makes fees sound smaller than the same number written as a percentage.
- Concentration risk
- Holding too much of your net worth in one thing, usually your employer. It is how wealth is made and also how it is lost, and unwinding it carefully is the single most common reason people hire us.
- Fee-only vs fee-based
- Fee-only means the only money we receive comes from you. Fee-based sounds identical and is not — it means fees PLUS commissions from products sold to you. One word of difference, and an entirely different set of incentives.
- Fiduciary vs suitability
- A fiduciary must put your interests ahead of their own. A suitability standard only requires that a recommendation be broadly appropriate, which permits recommending the version that pays the adviser more. Ask any adviser which standard applies to them, and ask for it in writing.
- Roth conversion
- Moving money from a pre-tax retirement account into a Roth account and paying the tax now, so later growth and withdrawals are tax-free. Whether it helps depends entirely on your tax rate now versus later, which is a planning question rather than a product one.
- Sequence-of-returns risk
- The risk that poor market returns arrive early in retirement, while you are drawing down. Two retirees with identical average returns can end up in completely different places purely because of the order those returns arrived in.
04Fees + fiduciary duty
What clients ask
What is "fee-only fiduciary"?+
Fee-only: paid by you, never by product commissions. Fiduciary: legally and ethically required to put your interests first. Both matter — many advisors carry only one, or neither.
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?+
An independent custodian, in accounts opened in your name. We never take custody — you log in to the custodian directly, and we hold view and trade permissions only.
How do I leave?+
Any time, no penalty. The plan and accounts are portable. We deliberately make this easy.
Do you do one-off plans?+
Yes — a standalone plan without ongoing management is a flat $4,800, delivered in four weeks with a 90-minute walkthrough.
Are you tax advisors?+
We plan around taxes and coordinate directly with your CPA. We don't prepare returns.
What happens to my plan if something happens to you?+
There is a written continuity agreement with another independent practice, and you are told who they are before you sign. Your accounts sit at the custodian in your name throughout, so nothing about your money depends on this firm continuing to exist.
Will you ever tell me not to invest?+
Regularly. Paying down expensive debt, holding more cash than feels exciting, or funding a sabbatical are all frequently the right answer — and none of them increase our fee.
Active or passive funds?+
Predominantly low-cost index funds, with evidence-based tilts where they earn their cost. If we ever recommend something expensive, you get the reasoning in writing with the fee arithmetic beside it.
Can we just meet once and see?+
Yes — the hourly consultation exists for exactly that. Plenty of people use it, act on the advice themselves, and never come back. That is a good outcome.
The first conversation is free.
Forty-five minutes, your questions, no documents required. You'll leave with something useful either way.
Fee-only · Fiduciary · Replies within one business day
Opening hours
When we are reachable
HoursChecking
- Monday – Friday
- 08:30 – 17:30
- Saturday – Sunday
- Closed
Evening calls are available by arrangement — most working clients take theirs at 18:30. The market moving is not a reason to phone us; that is precisely what the written plan is for.
Schedule a free consult
Tell us a little about you and what you're trying to figure out. We respond within one business day.
- Office14 South Madison Ave, Suite 8
- Phone
- Email
- HoursMon–Fri · 8:30am to 5:30pm