110 Roosevelt Boulevard
We choose to be independent, so that our clients know our advice is always in their best interest and directly tied to their goals. We aim for transparency through our compensation structure and recommend strategies that are solutions-focused, not product-focused.
Planning plays an important role in new client relationships. Whether you're planning for retirement, college, or need assistance with estate planning, we want to make sure we have an in-depth knowledge of your needs and goals. All of our initial face-to-face meetings are complimentary. At that time, we will determine what strategy works best going forward. If you decide to engage us for planning, we base the fee on time anticipated, client complexity and assets available for our eventual management. To that end, if we manage your assets and you don't require planning above and beyond that such as college planning or complex work, the fee is waived. In addition, we will coordinate with our financial professionals, such as estate planning attorneys and tax advisors, on your behalf. Once we have established a plan or investment strategy, any ongoing compensation for our work becomes part of the assets under management fees.
As independent financial advisors, we are thorough and client-centric in our asset management process. Kestra Advisory Services, LLC (Kestra AS) provides us access to a top-ten (by gross revenue) independent broker-dealer. This provides advisors with access to top providers and products including stocks, bonds, ETFs and alternative investment solutions through an open-architecture platform and relationships with a wide array of financial product providers. We are not beholden to any specific fund family or institution. We charge a percentage of the total assets managed, which allows us to keep the playing field level for all investment opportunities. Our advisory fee ranges from 0.25% to 1.0%, depending on your assets under our management. We use a decreasing marginal fee bracket: the more of your assets we manage within your household, the lower the overall fee percentage.
When using insurance products as a consumer—whether you go direct to the carrier or work with an advisor—the cost to you is the same. In the industry, it’s common practice for insurance companies to compensate agents and advisors via commissions when utilizing insurance products within a customized risk management plan. As your advisor, when considering and transferring risk, our professionals have the ability to select from a myriad of insurance carriers. The scope of our recommendations may include annuities, life insurance, and long-term care insurance. In doing so, we carefully screen insurance carriers for those better suited to your desired benefits, as well as for the insurance company’s overall financial strength and ability to minimize cost. Once we discuss these with you, we assist you through the application process and placement of the policy. Upon successful placement, a commission is paid.