Our Process
A clear path,
start to finish
Working with us follows a simple, transparent path, from the first conversation to the ongoing management of your investments.
Five Steps to Working Together
The first conversation
It starts with a discovery conversation to understand your current financial situation.
Portfolio Review
Good advice begins with listening. We learn your goals, your timeline, the people who depend on you, and how much risk truly fits your life, so the plan we build is personal to you.
A strategy built for you
We'll conduct an in person or video call to review our portfolio analysis and determine which portfolio best meets your investment goals.
Active, in-house management
Your investments are actively managed in-house by our own team, never outsourced. As a family-owned, fee-only fiduciary, we earn no commissions and sell no products, so every decision is made for you.
Reporting & reviews
See your accounts daily online, receive monthly statements from our independent asset custodian, and comprehensive quarterly performance reports via our private client website.
Questions we help you answer
As we work together, here are the questions clients ask most.
Investment Management
Actively managed, tactically balanced portfolios, built in-house and reviewed against your goals and your comfort with risk.
- Is my portfolio too risky, or too conservative, for where I am now?
- How do you decide what to buy and what to sell?
- Who actually manages my money day to day?
Retirement Planning
Turning what you have saved into income that lasts, and giving you a clear view of when and how you can retire.
- Will my savings last throughout retirement?
- When can I realistically retire?
- Where will my income come from once my paycheck stops?
Tax Planning
Looking ahead rather than only at last year, so you keep more of what you earn over your lifetime.
- How do I withdrawal income in a tax-efficient way?
- Do Roth IRA conversions make sense for me?
- Do you manage your portfolios in a tax-efficient manner?
- How do we coordinate with my CPA?
Estate & Legacy Planning
Making sure what you have built passes on the way you intend, and that the right documents are in place.
- Are my will and beneficiaries up to date?
- How do I pass assets to my heirs simply?
- Who makes decisions for me if I no longer can?
- How can my estate avoid probate?
Endowments & Foundations
A fiduciary partner for endowments and foundations, who can create customized investment policy statements, provides quarterly board reporting, and portfolio reviews that keep your committee informed.
- Does our investment policy statement still reflect our mission and goals?
- How do you keep our board informed and meet its fiduciary duties?
- Can our portfolio follow our mission-aligned guidelines?
Company Sponsored Retirement Plans
Retirement plans built to help you attract and keep good people, with fiduciary services, fee and investment benchmarking, and in-person employee education.
- Who carries the fiduciary responsibility for our plan?
- Are our plan’s investments and fees reasonable and benchmarked?
- How do we help employees understand and participate in the plan?
