Three engagements, one fee schedule, no metered meetings.
Every tier includes unlimited contact with your adviser. We do not meter meetings, and we do not charge for answering the phone.
A complete written plan you implement yourself. Suits confident DIY investors who want a second set of eyes.
Ongoing planning and discretionary management. The standard relationship for households from $500k upward.
Multi-generation and multi-entity work where the coordination matters as much as the investing.
A tiered percentage that falls as assets rise, billed quarterly from the account. No commissions, no platform kickbacks, no charge for extra meetings.
Billed quarterly in arrears. Fund costs are separate and average 0.11 percent.
Indicative only. Tiered bands: 0.90 percent to $1M, 0.70 percent to $5M, 0.45 percent to $15M, 0.30 percent above. Your engagement letter states the exact schedule before you sign anything.
Request a written quoteWe are not for everybody, and saying so up front saves us both a meeting. These are the moments where independent advice earns its fee several times over.
The saving is largely done and the question changes shape: how much can come out each year, from which account, taxed how, and what happens if markets fall in year two.
Needs: drawdown sequencingA single illiquid asset becomes a large liquid one overnight. Concentration risk disappears and a different set of problems — tax, timing, family expectation — arrives in its place.
Needs: liquidity event planningMoney arrives alongside grief and often alongside siblings. We slow the decisions down, deal with the estate mechanics, and get you to a plan that is yours rather than the previous owner's.
Needs: estate and structure workStrong income, equity compensation, not much time. The work is mostly about tax efficiency, deferred comp decisions and stopping good years from quietly disappearing.
Needs: tax-aware accumulationThey talked me out of a structured product I had already half agreed to elsewhere. That conversation alone paid for four years of fees.
In March 2020 my adviser called before I called her. No pitch, no reassurance script — just the plan, and the reason we were not changing it.
The first meeting after the sale, they spent forty minutes on what we wanted the money to do before anyone mentioned a portfolio.
Two crashes in, and the answer has always been the same: here is the plan, here is why nothing changes, here is what we are rebalancing.
Yes, and it is written into the engagement letter rather than implied. We are a registered investment adviser, which means the fiduciary duty applies to every recommendation, not only to the ones made while wearing a particular hat. We accept no commission, revenue share or referral payment from any product provider.
An independent custodian, in accounts registered in your name. We are authorised to trade and to deduct the agreed fee, and nothing else. You receive statements directly from the custodian, which means you can verify every figure we report without going through us.
$500,000 for the ongoing Private client relationship. There is no minimum for a one-off plan, and we waive the threshold for the adult children of existing clients — the pattern of who needs advice most rarely follows account size.
No. We build low-cost, broadly diversified portfolios and spend our effort on the things that reliably add value: cost, tax, asset location, rebalancing discipline and stopping clients from selling at the bottom. Any firm promising consistent outperformance is describing luck as though it were process.
You hear from your adviser within the first week, before you have to ask. Your plan already assumes several bad years, so in most cases the answer is that nothing changes except rebalancing and harvesting losses. Where the plan genuinely needs adjusting, we say so and show the working.
Any time, with no exit fee and no notice period. Because the assets are held in your name at the custodian, transferring away is a form you sign with the receiving firm. We will help with the paperwork and flag any tax consequences of selling positions, even on the way out.
Every household has a second named adviser who attends at least one review a year, so somebody who knows the file is always available. Plans, notes and decisions are documented centrally rather than living in one person's head.
Start with a conversation
Tell us the situation and we will say plainly whether we are the right firm for it. If we are not, we will point you to someone who is. That happens often enough that we plan for it.