What kinds of clients do you work with?

Our clients are typically individuals or couples approaching retirement, or already retired. We also work with numerous independent women: women who are widowed or divorced, as well as same-sex couples.

Are you a fee-only financial advisor?

Yes. We are a fee-only firm. We do not receive commissions, nor do we sell any products. This removes a conflict of interest that exists between many financial advisors and their clients.

How do you get paid?

Our fees are based on a percentage of assets under our management. See our Firm Brochure for more details.

Do you do retirement planning?

Yes, as a Certified Financial Planner Professional™, I am committed to financial planning (as opposed to merely managing investments). The biggest concern most of my clients have is in making sure their money will last throughout retirement. I have a rigorous process for retirement planning, which involves running detailed cash flow projections including Social Security, pension income, inflation, growth of investments, future expense needs, etc.

What do you mean by “wealth management” in the firm name?

To us, “wealth management” means going beyond managing investments to looking at the whole financial picture for our clients. For example, we typically review the following areas for our clients: making sure your estate plan is in order, minimizing taxes, gifting strategies for grandchildren and charities, preparing an annual net worth statement, insurance planning, when to take Social Security, etc. We strive to provide the kind of service that an old-fashioned family doctor gave his patients.

I’m confused about the difference between a “financial advisor” and a “financial planner”.  Can you explain, please?

You’re not the only one who’s confused. This is because anyone can call themselves a financial advisor. This is a generic term that applies to anyone who gives financial advice, and that usually means investments. The term “financial planner” is used to describe someone who does more than sell or advise on investments, and the standard for financial planners is the Certified Financial Planner® designation. See our company blog for a series of articles about financial advisors.

How safe is my money with you?

We do not have custody of any client assets. All funds are held by Charles Schwab And Co. Withdrawals are sent directly to the client and never through the advisor. Be aware, however, that as with any investment advisor you can lose money due to declines in market values.

Frequently Asked Questions