We only offer Investment Management Services on a discretionary basis, exclusively through a Wrap Fee Program.

This service is designed to complement our financial planning offerings, with tailored investment strategies.

Fees are determined based on the value of assets under management in a tired fee format.

The structure of accounts and investment offerings is customized to meet the regulatory and practical needs of each client.

For domestic US, our primary platforms are:

- Charles Schwab

- Altruist

For clients with employer retirement accounts such as a 401k, 403b etc we have an option to include rebalancing and investment selection within these accounts via a provider called Pontera.

Our fees on these accounts are a fixed 0.75% regardless of balance held due to the restricted asset investment options and automated contributions allocated to a set investment structure.

We rebalance these accounts on a monthly or quarterly basis depending on contributions, timeline and goals.

These fees and balances are billed monthly in arrears but cannot be billed to the respective accounts so they receive a manual invoice.

As a standard, we request all clients complete an assessment for ethical, social, and governance, socially responsible investing opinions and alignment.