Engagement Process

Reach out and we'll set up a time to chat - IRL (in real life), or virtually using Zoom or Google Meet.  No questions are off the table, and there is no expectation that you'll engage us afterwards.

We'll send out a package containing the forms you need to complete to get started.  The package contains our latest Client Brochure, Privacy Policy, an Investment Advisory Agreement & Initial Client Profile form.

Upon receiving your completed Investment Advisory Agreement & Client Profile forms, we'll set up a 30 minute call to dive into your current financial situation in greater detail, along with your temperament and tolerance for short-term fluctuations.  By the end of the meeting we'll agree upon one or more benchmarks for your account(s) - from very low risk (income bias) to aggressive (capital appreciation bias).  Our selected benchmarks serve as the basis for our account management and reporting back to you.  

Client benchmarks can, and do, change over time based on your preferences, remaining time horizon and external developments such as employment situation.  For example, a transition from full time employment to starting your own venture would merit a rethink, as would a decision to save for your first home.

While most of our clients custody their accounts at Fidelity & Charles Schwab, we're open to working with any custodian that provides us with independent access to your accounts.  If new accounts need to be opened in order for us to manage on your behalf, we drive the process.

For discretionary accounts, once your account(s) are funded & active, we'll take the reigns and begin managing them on a day-to-day basis.  As your fiduciary, we're dedicated to your success.  Consider us your coach who is always available to discuss any, and all, financial issues that arise over time. 

Our fees are always billed after the end of each quarter (in arrears), and can be paid from your account(s), by check, or via ACH or credit card through Paypal.

Any client engagement can be cancelled at any time, without penalty or delay.  Simply alert us of your decision and we'll stop management (& billing) as of that day.  And yes, we'll still be your friend!