1. Initial Consult

(No Cost, No Obligations)

We begin with a brief, focused conversation to:

  • Discuss your financial goals and priorities

  • Explore your current situation and concerns

  • Determine if my expertise aligns with your needs

  • Answer any questions about my approach

This no-pressure introduction helps us both decide if we're a good fit before moving forward.

2. Financial Discovery

(No Cost, No Obligations)

If we agree to proceed, I'll invite you to:

  • Share your financial information through my secure portal

  • Upload relevant documents (investment statements, tax returns, estate plans)

  • Complete a brief questionnaire about your goals and risk tolerance

Your privacy and data security are paramount in this process.

3. Analysis

(No Cost, No Obligations)

With your information in hand, I'll conduct a thorough analysis of your financial picture, including:

  • Current investment portfolio and asset allocation

  • Income sources and tax situation

  • Estate planning considerations

  • Insurance coverage and risk management

  • Retirement projections and goal feasibility

4. Financial Plan Presentation

(No Cost, No Obligations)

I'll prepare a detailed financial plan with specific recommendations for:

  • Managing your money effectively

  • Prioritizing financial goals

  • Optimizing investment strategies

  • Minimizing tax burden

  • Addressing estate planning needs

We'll review this plan together in person, taking approximately two hours to ensure we can discuss everything thoroughly without feeling rushed.

Important: There is absolutely no fee or obligation through these first four steps. You'll have a complete financial plan to review before making any commitment.

5. Implement

(Where fees begin)

Only if you decide to move forward:

  • We'll establish our formal advisory relationship

  • Set up your accounts at Charles Schwab (my custodian)

  • Implement the recommended investment strategy

  • Begin regular monitoring of your portfolio

This structure provides you with both Charles Schwab's institutional security and my active monitoring.

Fee Structure

My compensation approach is designed to align our interests and maximize your returns:

  • Fee-Only Model: I strive to offer an AUM fee that is below industry average. Full disclosures located here.

  • No Commissions: I never receive commissions on financial products

  • Low-Cost Investments: I focus on efficient, low-cost index funds rather than expensive actively managed options

  • Complete Transparency: My only compensation is the advisory fee—there are no hidden costs

This straightforward approach ensures that my success is directly tied to growing your wealth, not selling products or generating transactions.