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 international clients, our primary platforms are:

- Charles Schwab International

- Interactive Brokers

- Novia Global

For clients with US employer retirement accounts such as a 401k, 403b etc or accounts held at other institutions unable to be moved or not recommended to be moved. 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.