It all starts with designing a comprehensive financial plan around your goals in life. This plan will be your roadmap to help guide you toward making the best financial decisions to accomplish these goals. From there we can help you implement your plan with customized investment and tax strategies. All on a fee-only basis with absolutely no product sales.

Are you looking for one advisor to act as your personal financial officer to handle your investments, planning and taxes? For clients that utilize our investment management services we include financial planning and annual tax preparation services at no additional charge. The tax preparation includes annual filing of an Individual or Joint federal/state tax return (1040) (W2 employees, sole proprietor or K1 partners included).

*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 will notify each client and then implement.

• 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 how your investments are doing, our views on the market and any changes that we may be recommending to the overall strategy.
• 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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