Frequently Asked Questions

Our minimum investment for wealth management services is $500,000. This allows us to provide the personalized attention and sophisticated investment strategies that our clients expect while ensuring cost-effective portfolio management.

The process begins with a complimentary consultation where we discuss your financial goals, current situation, and investment preferences. During this meeting, we'll determine if our services align with your needs and explain our investment approach in detail.

We'll need recent statements from your current investment accounts, tax returns from the past two years, insurance policies, estate planning documents, and a current personal financial statement. Our team will guide you through the document collection process.

Once you decide to move forward, the account setup process typically takes 2-3 weeks. This includes completing all necessary paperwork, transferring assets, and implementing your customized investment strategy.

We believe in a disciplined, research-driven approach to investment management. Our philosophy centers on strategic asset allocation, diversification across multiple asset classes, and a long-term perspective that allows for compound growth while managing downside risk.

We begin with a comprehensive assessment of your financial situation, goals, time horizon, and risk tolerance. Using this information, we develop a customized asset allocation model and select specific investments that align with your objectives and preferences.

We continuously monitor all portfolios and conduct formal reviews quarterly. However, we may make tactical adjustments more frequently based on market conditions, changes in your situation, or new investment opportunities that align with your strategy.

Yes, we offer ESG (Environmental, Social, and Governance) and socially responsible investment strategies. We can incorporate your values and preferences into your investment approach without compromising on performance objectives.

Our fees are asset-based and range from 0.75% to 1.25% annually, depending on the size of your account and complexity of services. This fee covers portfolio management, financial planning, regular reviews, and ongoing consultation. There are no additional transaction fees for most investments.

We believe in transparent fee structures. The only additional costs you may incur are underlying fund expenses for mutual funds and ETFs (typically 0.05% to 0.75%) and custodial fees charged by the account custodian, which are minimal.

Management fees are calculated daily and deducted quarterly from your account. You'll receive detailed fee reporting showing exactly what was charged and why. This method ensures you only pay for the time your assets are under our management.

Yes, we offer tiered pricing with reduced fees for larger account balances. Accounts over $2 million typically qualify for our reduced fee schedule, and we provide additional discounts for accounts over $5 million.

You'll have 24/7 access to your account through our secure online portal and mobile app. You can view your portfolio, performance, statements, and tax documents. You'll also receive quarterly written reports and have direct access to your portfolio manager.

Your assets are held by a qualified third-party custodian (typically Charles Schwab or Fidelity). We never have direct access to your funds - we can only trade securities with your written authorization. This provides an additional layer of security and regulatory oversight.

Yes, you can access your funds at any time. Most withdrawals can be processed within 3-5 business days. We recommend discussing any large withdrawals with your portfolio manager to ensure optimal timing and tax efficiency.

You can terminate our services at any time with written notice. There are no termination fees or penalties. We'll work with you to ensure a smooth transition, whether you're moving to another advisor or managing investments yourself.