You pay us directly. We never earn commissions.

We are a fee-only fiduciary advisor. You pay a percentage of the assets we manage, or a flat fee for standalone services. Fees are calculated on daily asset values and billed monthly in arrears, never in advance. There are no withdrawal fees, no termination fees, and no hidden costs.

* Subject to a minimum annual fee of $6,000. Enrollment minimum: $500,000.

** Over $10 million: tax filing and estate planning, including creation, updating, drafting, and answering questions, are included at no additional cost.

Rates are tiered, like tax brackets. The lower rates apply only to the dollars above each breakpoint, not to your whole account.

No two clients have the same portfolio.

We build each portfolio individually using stocks, bonds, and ETFs, plus a specific mutual fund when needed. Your holdings are tailored to you, not pulled from a model everyone else gets. For brokerage accounts, we also apply tax loss harvesting to reduce your tax bill.

We also believe in commodities, real estate, private equity, the use of derivatives, and other alternative investments when appropriate for your situation.

Once we are managing your investments, we meet at least quarterly, and more often as needed when upcoming events or financial changes call for it.

You can, and plenty of people do.

There is nothing wrong with managing your own investments, and part of our job is to educate you either way. But doing it well takes real time, and that time commitment only grows over the years. There is also a harder question: if you are the only person in your family who manages the investments, what happens when you pass away and all of that knowledge goes with you?

The hard part is not buying investments. It is everything around them: keeping taxes low year after year, harvesting losses, knowing when a Roth conversion makes sense, coordinating your estate plan, and staying disciplined when markets fall.

We are here to partner with you, not replace you. We do this full time, with a tax centric process behind every recommendation, and as a fiduciary we are legally bound to act in your interest. When life changes, whether it is a business sale, retirement, or an inheritance, you and your family will have an expert already in your corner.

Usually, yes.

We link your household's accounts and count the assets together. Combined, they reach the lower rate breakpoints faster, so your family's overall rate drops.

We start with your taxes. Every plan begins with a tax centric analysis that becomes the foundation for a legal tax reduction strategy.

We specialize in executives, veteran entrepreneurs, political officials, and federal employees. Our founder holds an active Top Secret/SCI clearance, a real advantage for clients in sensitive positions.

No. We work with clients nationwide and around the world.

As long as you are a U.S. citizen or permanent resident, we can serve you fully through secure digital tools. We can also travel to meet in person when needed.

Yes.

As a Registered Investment Advisor, we are legally required to put your interests first in every recommendation we make.

With Charles Schwab or Altruist (Vanguard), never with us.

We never take custody of your assets. Your accounts are held at Charles Schwab & Co., Inc. or Altruist (Vanguard), and you grant us limited trading authorization only. Our relationships with the custodians are at arm's length, with no exchange of funds between them and our firm.

Send us your most recent account statement and sign a few forms.

That's it. We handle the account setup and asset transfer for you.

The U.S. Army National Guard, for over 20 years. His primary MOS was Air Defense Artillery Officer (14A); his secondary was Signal Officer (25A).

He has immense respect for the Naval Academy, but yes, he gets a bit animated cheering for his Army Black Knights when Army plays Navy each year. He promises all team allegiances stay off the field when managing your money. We proudly serve veterans of every branch.