Fee-only financial advisors are compensated directly by their clients rather than through commissions for selling financial products.
This helps minimize conflicts of interest and allows us to focus our recommendations on what we believe is best for you. As a fiduciary, we are required to put our clients’ interests first.
Comprehensive financial planning looks at the different parts of your financial life together rather than addressing each decision in isolation.
Depending on your needs, this may include retirement planning, investment management, tax planning, employee benefits and equity compensation, student loans, education planning, insurance, estate planning, cash flow, debt management, and retirement account decisions.
We start by understanding your goals, develop a personalized plan, help you implement it, and continue to provide advice as your life and financial circumstances change.
Our fees include a one-time onboarding fee, an ongoing monthly financial planning fee, and an investment management fee based on assets under management.
Fees vary depending on household type and the complexity of your financial situation. You can see our current pricing on the Services page, and we’ll discuss all fees with you before beginning our work.
No. We don’t require a specific level of investable assets to become a client.
Our services are designed for people who want an ongoing financial planning relationship that brings together their investments, taxes, retirement planning, and other financial decisions.
That’s completely normal. You don’t need to know exactly what type of financial planning you need before contacting us.
Our initial conversation is an opportunity to talk about what’s going on in your financial life, what questions or concerns you have, and what you’d like to accomplish. From there, we can determine whether our services are a good fit for your needs.
There is no fee for the initial consultation.
We believe successful investing is less about trying to predict which stock or market sector will perform best next and more about building a diversified, low-cost portfolio designed around your financial plan.
Our investment approach emphasizes diversification, keeping costs low, maintaining an appropriate level of risk, and staying disciplined through changing markets. We also pay close attention to taxes through strategies such as tax-loss harvesting, tax-efficient asset placement, and thoughtful portfolio rebalancing.
Rather than trying to consistently time the market or pick the next winning stock, our goal is to build an investment strategy that gives you the best opportunity to reach your long-term financial goals.
Absolutely. We work primarily with clients virtually, so you do not need to live in the Bay Area to work with us.
Most meetings are held virtually, which allows us to work with clients in different locations while providing the same ongoing financial planning and investment management experience. For clients who are local to the Bay Area, occasional in-person meetings are also available.
The first step is a complimentary initial conversation. We’ll learn about your financial situation, what you’re looking for help with, and what you’d like to accomplish.
We’ll also explain how we work, answer your questions, and determine whether we’re a good fit to work together. There is no obligation to move forward.