We work with clients who want to:

• Improve their investing experience​
• Have their portfolios managed based on Nobel-prize winning academic research, not yesterday's  "hot stock tips"
• Keep their costs down by using low-cost funds and having fair advisory fees

• ​Work with a fiduciary professional
• Have a clear financial plan that will guide them through both accumulating assets and withdrawing money in retirement
• Apply tax-savings strategies that stay current with changing legislation

After being in the industry awhile, we understand the importance of finding an advisor that’s a good fit. We look forward to building long-standing and meaningful relationships with our clients, but, similar to dating, we realize that we aren’t the perfect match for everyone. We want you to be happy to answer your phone when you see our number on caller ID, and we want to feel the same about you. Below are some examples of who we can, and can’t help.​

NEVER WORKED WITH AN ADVISOR?

• Picking the funds on your own in your 401k? Not sure if you need an advisor or what the benefits of having one are? Think it is expensive to hire an advisor?
• You may be surprised to learn that the fees you’re paying inside of your investments are about the same or higher vs our combined advisory fee and the investments we use, so you likely won’t be paying more for professional help
• Having an advisor may reduce stress and allow you to focus on the things that are important to you. A good plan may lead to an improved investing outcome, lower taxes and a better chance of having your savings help you accomplish what you want

HAVE AN ADVISOR ALREADY?

• If he is your brother-in-law, we probably can’t help you. Sorry. Family comes above all.
• Assuming your advisor is not your brother-in-law:
  • Are you getting tax planning advice?
  • Do they provide full financial planning or just manage your money?
  • Do you pay about 1% in advisory fees (or more) and are you paying portfolio managers on top of it?
  • Do you know what your fees are?
  • Can you describe their investment philosophy and does it make sense to you?
  • Do you feel that you could do better?
    

​​Contact us to learn more about how we might work together.

DIY INVESTOR?

• Are you a “boglehead”? Great, our investing philosophies are very similar. We believe that with an allying DFA approach we might do better, our advisory fees are low, and with the added bonus of a professional on your side to help you achieve an even better outcome
• Just happen to be DIY because you did not think you needed any help, or thought you couldn’t afford an advisor? Let’s talk. Many of our clients discovered that the value they get from working with us is well worth it, and after we tweak their investment portfolio, they are not even paying more vs what they’ve been paying in fund fees without getting any advice.
• Do you enjoy trading too much, think it is fun, consider it as your hobby, and something you want to spend your free time doing? Sorry, but we probably can't help you

IMPORTANT FINANCIAL DECISION COMING UP?

We can help. See How We Help You for the list of topics

The following describes the impact our work typically has on investors' lives.

BEFORE

Through years of experience, we know that if you are not a current client, your investing world is most likely overly complex, opaque, and expensive.

• Emotion-based decisions
• Failure to diversify
• Confused about performance
• Chasing yield
• Inefficient activity
  
• Timing the market
• Reacting to the media
• High fees and commissions

AFTER

Enjoy the simplicity and transparency in your financial life.

• Advanced Planning
• Evidence-Based Investing
• Meaningful Relationships
• Less time spent stressing over your finances, more time spent enjoying life’s special moments
  

Contact us to learn more about how we might work together.

get started - schedule an introductory phone call