We are a fee-only financial planner and investment
manager. "Fee-only" means that your advisor
receives no other compensation other than the fee you
There are a multitude of financial compensation
arrangements available in the financial industry today,
however the fee-only arrangement
clearly serves the client's best interest. Commission
arrangements have a severe inherent conflict
of interest. The fee-based arrangement,
not to be confused with "fee-only," can be
problematic because fee-based advisors still have the
option of recommending a commission or fee-based investment.
Conflicts can arise when fee-based advisors are faced
with competing investment recommendations with differing
compensation levels. Additionally, although better for
the client than commission-only, the arrangement does
not avoid the bias towards those investments that bring
higher fees such as equity investments - also known
as "equity bias."
Due to our low fee schedule and low-cost
investment and index fund philosophy, our asset-based
pricing does not differentiate from asset to asset.
In other words, our fee does not change whether our
clients are invested aggressively in equity or more
conservatively in options such as fixed income. We are
not bias towards advising clients to invest more aggressively
than might be suitable.
Due to our flexible service offerings, our fee
structure is set for each client on a case-by-case basis.
Generally, our fees start out at 1% and decline to as
low as .50% for assets over $1 million. Please feel
free to contact us for a confidential screening and
immediate fee quote.