It all starts with designing a comprehensive financial plan around your goals in life. This is what really sets us apart, we build custom financial plans for every client.  This plan will be your roadmap to help guide you toward making the best financial decisions to accomplish your goals. From there you decide if you would like us to help implement your plan with customized investment and tax strategies.  There is no pressure and no sales, we let every client choose the relationship that suits their needs.

Are you looking for one advisor to act as your personal financial officer (CFO) to handle your investments, planning and tax prep? We bundle this full service relationship for clients looking for one key partner to manage their financial affairs.  We act as your personal CFO so that you can go enjoy your life, financially stress free.

The investment management fee covers proactive portfolio management, annual tax preparation and annual financial planning.
*Account minimums do apply

• The initial meeting is complimentary. You decide if we are a good fit after our meeting.
• After the initial planning process clients can choose to stay with just planning, upgrade to annual planning+tax retainer or engage with our Wealth 360° platform. While we like to form long term relationships it is always up to each client how they want to work together going forward.

We take a personalized approach managing all investment portfolios directly so that we can customize and communicate strategy for each client.  Markets are dynamic and we believe investments should be responsive to change and monitored weekly. Strategies are grounded in long term trends, but adjusted for today’s markets. Above all else, risks are managed in each portfolio.

The idea behind our strategy is to build a solid foundation using a Core Group of Investments and then layering in additional asset classes that typically outperform at different periods in the economic cycle. By utilizing low cost Exchange Traded Funds (ETF’s) we construct each client’s portfolio based on an agreed upon strategy that incorporates: risk tolerance, return objectives, financial plan goals and cashflow needs. (This is key, as we will not take on an investment client until there is a firm understanding through the planning analysis of how your money should be invested)

One of our key differences is that we take a proactive view in determining client investment strategy. We believe that clients hire an advisor to be proactive and to protect their money in difficult times just as well as helping them make decent returns during the good times. While we present an asset allocation model to each client and strive for that model, if the market dictates a change in strategy we proactively adjust.

• As an Investment Advisor we assist you in setting up an account with the custodian we use to hold client assets, Schwab Institutional. You the client then assign us as the Investment Manager over the account. We don’t ever physically have possession of your assets.
• We meet with you to develop an Investment Model that meets your objectives and once you approve the strategy we begin the investing process.
• Schwab holds your accounts and will send you monthly statements along with providing online access to view your accounts.
• As a client of The Advisory Firm we also set you up a personal secure web portal to view your accounts and track all of your financial info.
• We maintain an open dialogue with clients via weekly emails to let you know current strategy, our views on the market and any changes that we are making to client accounts.
• We are not paid on commission for investing money, rather an annual fee that is debited by 1/4 of the amount at the end of each quarter from your account.

• 1% annual fee on the first $1,000,000 in assets ($100,000 to $1,000,000)
• .8% annual fee on the next $1,000,000 in assets ($1,000,001 to $2,000,000)
• .6% annual fee on remaining assets over $2,000,000

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