What is a fiduciary and why does it matter?

A fiduciary is a financial professional who is legally and ethically bound to put the interests of the client ahead of their own at all times. This standard of care requires a duty of loyalty and a duty of care, meaning all advice must be objective and tailored to your specific financial requirements. Unlike other segments of the industry that only follow a suitability standard, our fiduciary status works to keep every recommendation made with transparency.

What does it mean to be a fee only advisor?

Being fee only means the firm is compensated directly by its clients for professional advice and management. We do not receive commissions, referral fees, or kickbacks from any third party for recommending specific financial products or investment vehicles. This structure is designed to remove the inherent conflicts of interest found in traditional brokerage models where advisors are incentivized to sell products. Our only loyalty is to the families we serve.

What are the service fees?

We utilize a transparent fee structure centered on the complexity and scope of your financial life. Investment Management: an annual advisory fee of 0.75% on assets under management. Ongoing Financial Planning: standard comprehensive planning is $5,000 per year billed in monthly installments. Project Based Foundation: a one-time engagement to build a financial action plan is available for a flat fee starting at $2,500 based on complexity.

Who serves as the custodian for my assets?

All client assets are held with Altruist, a modern and technology focused custodial platform. Altruist was selected for its efficient account opening process and secure digital infrastructure. While we manage the investment strategy and execution, Altruist provides the independent safeguarding of your capital and generates your monthly statements and tax documentation.

How do we collaborate on the financial plan?

We utilize RightCapital as our primary client planning portal to provide a unified view of your financial life. This interactive platform allows for real time modeling of retirement projections, tax strategies, and cash flow scenarios. You will have secure access to this portal to monitor your progress toward major milestones and securely share documents with our team.

What investment vehicles are utilized?

Our investment philosophy centers on broad diversification and cost efficiency. We primarily construct portfolios using low cost and tax efficient exchange traded funds. This evidence based approach is designed to capture market returns systematically while avoiding the risks and higher expenses associated with individual stock speculation.

Who is the typical client of the firm?

We specialize in partnering with a limited number of professional families who require sophisticated oversight for complex financial lives. Target Profile: Our expertise is focused on individuals navigating variable income streams and complex equity compensation, especially Aerospace & Defense professionals. Capacity: We partner with a limited number of client families to help allow for a high depth of relationship and service. Efficiency: We utilize a virtual first model that respects your schedule by providing secure video conferencing and digital signature capabilities.

How often will we review my financial plan?

Ongoing wealth management includes regular strategy reviews to work to keep your plan aligned with your evolving life and goals. We provide quarterly performance updates and conduct an annual deep dive review to update retirement projections and investment targets. You also have access to the firm for questions and support as significant financial decisions arise.

How does the firm manage tax efficiency within a portfolio?

Tax efficiency is a core component of our investment philosophy. We utilize tax efficient exchange traded funds and implement strategies to reduce the impact of capital gains. For clients with equity compensation, we coordinate your vesting schedule with your broader tax planning to mitigate unnecessary tax drag.

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Frequently Asked Questions

Answers to common questions about financial planning, fee-only fiduciary standards, and our services.

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