Four core services under a single transparent fee. No product sales, no hidden layers, no surprises on your statement.
Ongoing investment management built around a written financial plan. We design a globally diversified portfolio of low-cost index funds, set an asset allocation matched to your goals and risk capacity, and rebalance with discipline. Every account, whether taxable, IRA, or 401(k), is coordinated as one strategy.
A retirement income strategy you can actually follow: when to claim Social Security, which accounts to draw from first, how much you can sustainably spend, and how to bridge the years before Medicare. We stress-test the plan against down markets and inflation, so you can retire on evidence rather than optimism.
Taxes are one of the few investment costs you can actually control. We manage asset location across account types, harvest losses opportunistically, evaluate Roth conversion windows, and coordinate with your CPA at tax time. Always aimed at improving after-tax outcomes, never at chasing returns.
RSUs, ISOs, NSOs, and ESPPs each carry their own tax traps and timing decisions. We build exercise-and-sell schedules that manage concentration risk, plan around AMT exposure, and turn paper equity into a funded plan: deliberately, not all at once and not never.
This is everything we charge. No commissions, no fund kickbacks, no billing surprises. Your quarterly statement shows the fee in dollars.
| Tier | Assets under management | Annual fee |
|---|---|---|
| Tier 1 | First $1,000,000 | 0.75% |
| Tier 2 | Next $2,000,000 ($1M–$3M) | 0.60% |
| Tier 3 | Above $3,000,000 | 0.45% |
Tiers are marginal: a $2M portfolio pays 0.75% on the first $1M and 0.60% on the next $1M. Fund expense ratios (typically 0.03%–0.10% for the index funds we use) are charged by fund providers, not by us.
A standalone, comprehensive financial plan. No asset management required, and no obligation to continue.
Start with a 30-minute call. We’ll point you in the right direction, even if it isn’t toward us.