Honesty by Design

A Fiduciary (and More):

  • • We act in your best interest
  • • We endeavor to give advice that is free from conflicts of interest
  • • We provide transparency about our fees
  • • We tier our fees downward early – view fee schedule

We do not:

  • • Sell any financial products
  • • Earn commissions
  • • Receive any payments from product providers
  • • Earn revenue from trading or other account activity

The only revenue we earn for advisory services is the management fee our clients pay us.

We believe that good financial advice grounds investment advice in sound financial planning. Investment portfolios that don’t take into consideration the liquidity you need to help pay for your kid’s college or prepare you for retirement isn’t really good investment advice. None of these decisions should be divorced from one another. Financial planning and investment management are each integral pieces of your complete financial picture. As a professional services firm, we help you manage that complete financial picture. And this is where the real value of our service lies.

Investments are a big piece,
but they’re only a piece.

How do we charge for our services?

Our annual advisory fee is charged as a percent of the assets that we manage. The fee is calculated and deducted from your portfolio quarterly. We always bill in arrears—no fees are charged in advance. Generally, the greater the value of your portfolio the lower the incremental percent of the fee.

We build in-depth relationships with our clients by offering experienced guidance within the setting of a smaller, more personalized firm.


Q1 2024 Market Commentary

Global stock markets continued rising in the first quarter of 2024, extending last year’s gains. The S&P 500 index of large US stocks led the way among major indexes, with a 10.6% gain for the quarter. Inflation continues to decline, albeit more slowly, and 2024...

Q1 2024 Market Chart Book

You can download our comprehensive market review in charts and tables from the link below. Topics covered include: Q1 2024 Market Chartbook Download   TABLE OF CONTENTS: Market Summary World Stock Market Performance US Stocks International Developed Stocks...

Q4 2023 Market Commentary

Investors finished 2023 in a good mood.  Inflation is down, employment is up, and corporate earnings are expected to grow strongly next year for companies in the S&P 500 Index.  Concerns that seemed top of mind at the end of the third quarter, including a UAW...