We have attempted to answer many of the questions you are likely to ask. These answers are generally the rule. Certainly, there may be times when we will make exceptions to the rule. This Q & A page will help you make progress in determining if we may be a good fit for each other. Thank you for taking the time to read this.

Do you have a minimum account size?

Yes we do; $3,000,000 minimum combined account value per household. 

Can I transfer my accounts "in tact" to you and have you
take over the management of them?

Generally, NO; typically, only cash comes aboard. We do not take responsibility for someone else's project. We craft our own portfolios designed specifically to address the needs of our clients. Additionally, we create " needs based allocation models" designed to deliver the investment results the client needs to work toward their long term objectives, while attempting to manage the risks to loss of principal as best we can.

What types of clients do you work with?

Our clients are affluent ($1 - 20 mil USD) to very affluent ($20 - 500 mil USD). They are typically entrepreneurs, top level corporate executives and multigenerational families. Our clients are very busy, understand the value of delegation, have some level of complexity in their lives and appreciate some degree of overall coordination with respect to the management and planning of their financial affairs.

How do you get paid?

We have the ability to be compensated for the value we create any number of ways; commissions, flat fees, hourly, fee for plan
or a combination of these. We consult with the clients, look at the scope of the work we will be doing and recommend the compensation arrangement we feel is most advantageous for them. You, the client, will make the ultimate decision.

What do you charge?

Our flat fee is 1% annually of the assets to be managed, calculated and debited from the accounts on a quarterly basis. Our hourly fee is $500.00 USD per hour, billed to the nearest quarter of an hour. Our fee for a comprehensive financial plan is 1/10th of 1% of the total value of the clients Net Worth, paid up front. Commissions vary depending on the specifics of the transaction.

Fees are important as they impact the clients results, but they are also relative. It has been our experience that "What's your fee" is not the right question to ask, rather, "What are my net results likely to be after all fees". What you realize after everyone else has been paid is what really matters.

*Nominal transaction fees apply to certain accounts. 

What types of services do you provide?

We help coordinate our clients personal financial affairs and often provide advice on closely held, family owned business issues. We provide investment management; financial planning; risk management & insurance reviews/ recommendations; tax efficiency management; wealth creation, preservation, and distribution/ transfer planning; income planning; alternative investments; executive benefits analysis and planning; coordination of overall advice from other professional  advisors; family meeting moderation.

If you had to boil it down to the few things that you feel will be the biggest contributors to a long-term investors success, what would you believe them to be?

Faith, Patience, Discipline, Asset allocation, Disciplined diversification, Rebalancing. The number one thing that will hurt or contribute to your great success is... YOU. Your behavior at extreme inflection points in the financial markets, will be a determining factor in your long-term success, or failure. Don't you want an experienced, trusted advisor by your side?