How We Get Paid
We believe in transparency — you should always know exactly how your advisor is compensated and what you receive in return.
For the majority of our work, our compensation is a simple, asset-based fee — a percentage of the investments we manage on your behalf. This means our success is directly aligned with yours: when your portfolio grows, so does our compensation.
When Commissions Apply
In a few select cases, such as certain insurance-based solutions or specialized structured products, compensation may be in the form of a commission that is built into the product itself. These are typically solutions not available through a fee-only structure but are sometimes the most effective way to meet specific client objectives — for example, to manage risk, enhance tax efficiency, or protect income.
Whenever a commission applies, we disclose it clearly and in advance, ensuring you understand both the cost and the reason for the recommendation. Our guiding principle remains unchanged: we only recommend what we believe serves your best interest.
What’s Included
Our advisory fee covers all aspects of your relationship with us, including:
- Customized financial guidance across your entire financial life — not just your investments.
- Ongoing portfolio oversight with detailed analysis, reporting, and disciplined review.
- The Personal Financial Organizer (PFO) — maintained, updated, and used as your ongoing financial blueprint.
- Strategic coordination with your CPA, attorney, and other professionals to ensure all areas of your financial world work in harmony.
- Customized investment management — including structure, asset allocation, and diversification tailored to your goals.
Aligned Interests
Whether through a flat advisory fee or a product-based solution, our intent is the same: to ensure every recommendation supports your goals with clarity, integrity, and transparency. Our compensation structure is designed to eliminate surprises — and to keep our interests aligned squarely with yours.
