Frequently Asked Questions

  • Yes. As an independent advisor, I am legally and ethically bound to act in your best interest 100% of the time. This is a standard I take personally and provide in writing to every client.

  • Most firms look at your investments in a silo. I look at the "Big Picture" by connecting your taxes, insurance, estate plan, and lifestyle goals into one cohesive strategy so no detail is left to chance.

  • My primary compensation is a transparent fee based on the assets I manage for you. In cases where specific insurance or annuity products are necessary for your protection, I may receive a commission, which will always be disclosed upfront.

  • It starts with a conversation. We’ll discuss your goals, look at your current "silos," and see if a connected strategy makes sense for you.

  • I believe money is a tool, not the master. I focus on long-term stewardship over short-term speculation, ensuring your portfolio supports the life you want to live.

  • I use a disciplined, research-driven approach focused on low-cost, tax-efficient, and diversified portfolios tailored specifically to your risk tolerance and goals.

  • You will have 24/7 access to a secure, Charles Schwab digital portal where you can see your performance, holdings, and the "big picture" of your portfolio value in real-time.

  • I prefer a semi-annual cadence. These aren't always planning meetings. Sometimes it's just a check-in to see how you and your family are doing. However, I adapt to your preference; if you want more or less contact, we set that pace together.

  • I provide tax-efficient investment strategies and estate planning coordination. For the actual filing of returns or drafting of legal documents, I work alongside your CPA or Attorney.

  • I work for you; you don't work for me. If the fit isn't right, I will professionally coordinate with your new advisor and ensure your accounts are transferred promptly and securely.

  • Schwab is our third-party custodian. They are one of the most trusted institutions in the world. They hold your assets and provide the security and reporting you deserve, while I provide the strategy and advice.

  • Security is a top priority. By using institutional-grade platforms and Schwab’s advanced encryption, your personal and financial information is protected by the highest industry standards.