Our Philosophy

We believe that investment advice should come with fair, straightforward pricing. There are no hidden fees, no commissions, and no sales incentives. Our fees are designed to reflect the value we provide through ongoing portfolio management, personalized service, and a long-term partnership focused on your financial success.

Our Pricing Model

We use a tiered Assets Under Management (AUM) fee structure, which means the more you invest, the lower the effective rate you pay on higher balances.

Tiered AUM Fee Schedule:

• Up to $250K: 1.25%
• $250K – $500K: 1.10%
• $500K – $1M: 0.95%
• $1M – $3M: 0.85%
• $3M – $5M: 0.75%
• $5M – $10M: 0.65%
• Above $10M: 0.50%
  

Each portion of your portfolio is charged at the applicable tier, so your average fee rate decreases automatically as your portfolio grows.

How We Bill

Our billing process is designed to be transparent and fair:

• Timing: Fees are billed monthly in arrears, so you only pay after services have been delivered.
• Calculation: Fees are based on your average daily balance for the month, which smooths out the impact of deposits or withdrawals during the period.
• Proration: Fees are automatically prorated if your account is opened or closed mid-month.
• Day Count: We use a calendar-day count (365/366) to standardize fee calculations across the year.

No Hidden Fees. No Commissions. No Conflicts.

We do not receive payments from fund companies, custodians, or product providers. Our only compensation comes from the clients we serve. This means:

• No commission-based products
• No backdoor payments or referral fees
• No hidden agendas
  

As a fee-only fiduciary, we are legally and ethically obligated to put your best interests first at all times.

Our Commitment

Our fee structure is a reflection of our dedication to your financial success. You can be confident that every recommendation we make is designed to help you achieve your goals, not to generate commissions or incentives.