A deliberate, transparent engagement.

Five steps

What it looks like from first conversation to ongoing partnership.

1. 1
   Step 1

   Discovery conversation

   A complimentary 45-minute meeting to understand your goals, your current picture, and whether we are the right fit. No pitch, no pressure.

   We ask about what you are trying to accomplish, what is keeping you up at night, and what you have already tried. We listen more than we talk. If we are not the right fit, we will say so and point you somewhere better. There is no obligation on either side.

   45 minutes

   Honest assessment of fit and next steps
2. 2
   Step 2

   Data gathering and analysis

   We collect statements, tax returns, estate documents, and benefits packages and produce a written analysis of your current trajectory.

   We use a secure client portal to collect what we need. Most clients find the process reveals gaps or opportunities they were not aware of, particularly in beneficiary designations, insurance coverage, and tax-deferred account structure.

   One to two weeks

   Written current-state analysis and gap identification
3. 3
   Step 3

   Plan delivery

   We present a written financial plan with specific recommendations, alternatives, and the trade-offs of each. You leave with a clear set of decisions to make.

   The plan is a real document, not a slide deck. It addresses your retirement picture, your investment strategy, your tax situation, and your estate. Each recommendation comes with a rationale and, where relevant, the alternative we considered and why we did not recommend it.

   90-minute meeting

   Written financial plan with prioritized recommendations
4. 4
   Step 4

   Implementation

   If you choose to work with us, we open accounts at Charles Schwab as our custodian, transition assets tax-efficiently, and put the plan in motion.

   We handle the paperwork, the transfers, and the coordination with your employer if a rollover is involved. Tax efficiency guides the transition: we build the ending portfolio in a sequence that minimizes recognition of gains wherever possible.

   Two to four weeks

   Funded accounts, investment policy statement, transition report
5. 5
   Step 5

   Ongoing stewardship

   Quarterly portfolio reviews, an annual planning meeting, and unlimited access to your advisor between meetings. The plan evolves with your life.

   Life does not stay still, and neither does the plan. Job changes, inheritances, births, divorces, business events: we are at the table for all of it. You will hear from us proactively when something in the tax code or the market warrants a conversation. You will never feel like an account number.

   Continuous

   Quarterly reports, annual plan review, ad-hoc support

What we charge

A transparent fee schedule. Nothing hidden.

We charge a single annual fee, billed quarterly. There are no trading commissions, no product sales, no referral payments, and no soft-dollar arrangements. The fee below is the total cost of our relationship.

Fees are billed quarterly in arrears based on the average daily balance of accounts we manage. Your fee schedule is disclosed in writing in our Form ADV Part 2A before you sign an agreement.