How We are Compensated

You have a need and want to buy a product to meet that need. We are typically compensated by a commission from the company that offers the product. Examples are an investment account under $50,000 or a life insurance policy. In the future we will gladly review the account or policy at your request. Consulting services can be added for an additional fee.

You want us to manage your investments with your goals and tolerance for volatility in mind. You want an ongoing relationship and future meetings with an advisor. We charge an advisory fee that is a flat annual percentage of those assets. These are typically accounts under $100,000. Consulting services can be added for an additional fee.

You want to prioritize your goals, come up with a plan on paper to reach those goals, and maintain a long-term relationship with an advisor to help you stick to the plan and make any necessary adjustments along the way. We manage both your planning and investments for an advisory fee that is a flat annual percentage of the assets we manage ($100,000 household minimum).  Consultation services are complementary with this service and are not charged a fee.

You want consulting and/or research on any number of topics. This is popular with “DIY” investors that want a second opinion on their portfolio or investment clients that do not meet the $100,000 minimum for full service planning. We charge either an hourly fee or a fixed fee for our financial consulting services. Our fees are negotiable depending upon the scope and complexity of the engagement rendering of the financial consulting service.