Investment Management

Investment Philosophy

I’m an investment professional and I don’t know how to pick stocks. And neither does anyone else.

We believe in having clear eyes when it comes to the markets. Your investment experience will be mostly driven by two things: savings behavior and asset allocation – otherwise known as risk and reward! What does that mean for you in practice?

  1. We’ll assess your goals and risk tolerance, then choose an appropriate mix of stocks and bonds to complement your overall portfolio.

  2. Buy low-cost, diversified funds. 

  3. (Optional) Emphasize sustainable investments within your portfolio.

  4. Stay disciplined! Don’t try to time the markets or predict the future. 

Sounds simple, right? We know it can be tough when the market swings, so we’ll be there to help you navigate your emotions and stay the course toward your goals.

A successful investment strategy should be measured by how well it helps you achieve your goals.

Investment management and financial planning are separate services.

Ongoing financial planning clients are offered investment management services as part of their comprehensive financial planning fee, so the fees below do not apply to comprehensive clients. We do not have a minimum investment account size for comprehensive clients, only a minimum annual financial planning fee of $6,000.

Some clients will engage us only for standalone investment management and not for comprehensive financial planning.

The minimum account size required to engage us for standalone investment management is $250,000.

The minimum annual fee for standalone investment management is $5,000.

Our standalone investment advisory fee is based on the market value of the assets under management and is calculated as follows:

Account Value

Annual Advisory Fee

$250,000 – $1,000,000

1.00%

$1,000,001 – $3,000,000

0.80%

$3,000,001 – $5,000,000

0.60%

$5,000,001+

0.40%

The advisory fee is a tiered fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the above chart and applying the fee to the account value as of the last day of the previous quarter.

For example:

A standalone investment client whose assets under management (AUM) is $1,250,000 will pay 1.00% on the first $1,000,000 ($10,000) and 0.80% on the next $250,000 ($2,000) for an annual fee of $12,000.

The custodian you choose to use, such as TD Ameritrade or Betterment, may also charge platform and account maintenance fees in addition to our advisory fees. Our ADV Part 2 has additional details; we will thoroughly explain our fee structure during your consultation.

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