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  • A. We are primarily a fee-based firm. Investment management fees are calculated as a percentage of the assets that we manage. These fees are paid quarterly in advance. We also generate flat fees from financial planning services. 

    The annual fee for investment management services ranges from 0.5% to 1%.

    Outside of our normal fee-based pattern, there are other occasions where it becomes necessary to recommend a product to meet a client’s need.  For instance, College Education (529 Plans), direct participation, or other insurance products can pay out commissions through our Broker-Dealer arrangement (LPL Financial).

  • A. Yes. Effective January 1, 2025, there is a $750,000 minimum for new investment advisory clients.

  • A. Yes, there are two options in this situation:

    $375/hour consulting fee

    OR

    $2,000 flat fee which secures unlimited planning services for 12 months.

    *discounted flat fee of $400 for full time students or medical residents
     

  • A. No, all introductory meetings are complimentary. However, once the financial planning process commences, clients will be charged accordingly

  • A. Our three core tenets of portfolio management are asset allocation, diversification, and disciplined rebalancing. We DO NOT believe in portfolio maximization. Instead, we aim for portfolio optimization (striving for the best return GIVEN your personal goals and level of risk).

  • A. No. All investments carry risk. It is illegal for an investment advisor to claim an investment is guaranteed.

  • A. We believe in the concept of mutual respect. Simply stated, we strive to be professional and considerate with all our clients. This means coming prepared and being prompt to meetings, and responsive when contacted. We simply expect our clients to behave in the same manner.

  • A. Yes. Standard new account paperwork, applications, and an advisory agreement (when applicable) are part of the typical on-boarding process. However, clients are free to disengage at any time.

  • A. We have approximately 250 investment households under management.

  • A. While we serve different types of clients, we primarily work with physicians and other professionals in the medical field.

  • A. LPL Financial.

    On occasion, we will use other mutual funds, insurance, or direct participation companies. Client assets are then held with those companies.

FAQ

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