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The initial call is for us to get to know each other. You will learn more about our philosophy, and we’ll learn about you and your goals.
How It All Began – Our Idea of the Perfect Wealth Management Firm
Conflicts of interest are everywhere in the financial industry. Many firms advertise that they are fiduciaries, which is a great start—but it’s not enough. Anyone considering hiring a wealth advisor should be absolutely certain that there are no conflicts of interest in the relationship.
Consider this: You receive a windfall of several hundred thousand dollars and schedule a meeting with your advisor. You have an idea of how you’d like to manage your newfound assets. What will your advisor tell you? Will they provide truly unbiased advice? Unfortunately, 99.9% of the time, an advisor will recommend an investment that benefits them as well as you. While charging an asset-based fee instead of a commission is a step in the right direction, it still doesn’t guarantee completely unbiased advice.
I wanted to create a solution that eliminates this problem.
Fees Based on Net Worth – Not Just Assets Under Management
Our fee model is based on a client’s net worth, not just assets under management at a specific custodian. Think about that—this ensures our interests are fully aligned. If we, as your wealth advisor, help grow your net worth, our compensation grows as well. In our view, this is the purest form of a compensation structure.
Consider the earlier example: After receiving a windfall, you decide you want to pay off the remainder of your mortgage. A typical financial advisor might hesitate to recommend this—not due to a lack of integrity, but because they wouldn’t benefit financially. Instead, they would likely suggest investing the money in a way that generates higher fees for them.
With our net worth-based fee model, we can provide truly unbiased advice. If paying off debt is the best decision for you, we fully support it because it increases your net worth. Our compensation isn’t tied to specific investments, ensuring that our guidance remains free of conflicts of interest.
This is just one example, but the key takeaway is clear—our interests are 100% aligned with yours.
The Coming Storm – What’s on the Horizon?
We believe the traditional portfolio strategy that has worked for decades is facing significant challenges ahead. If a large portion of your portfolio is allocated to fixed income or cash, you may be in for a difficult ride. The sheer amount of debt our country will have to manage in the coming decades is staggering, with high inflation being the most likely outcome. While solutions exist, they require ongoing diligence and a deep understanding of macroeconomic trends.
Our goal is simple: to preserve and grow our clients’ purchasing power in real terms. It’s not enough to merely keep pace with market benchmarks—or worse, to fall just short of them. If that has been your experience, it likely means you’ve already lost purchasing power. We aim to help our clients recognize the real challenge and develop a strategy to overcome it.
Our Step by Step Process
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