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Frequently Asked Questions

WHAT SEPARATES US FROM OTHER INVESTMENT ADVISORS?

We are independent and have no proprietary products which means we are not compelled to recommend investments for which we have an economic benefit. Our recommendations are based solely on what is most appropriate and suitable for our Clients’ specific financial situation.

WHAT DOES BEING A FIDUCIARY MEAN?

A fiduciary has an obligation to act in the best interest of his/her clients in managing the clients’ assets, rendering investment advice, and trading in clients’ accounts. This obligation comes with an extremely high level of trust, and fiduciaries must not engage in any activity that would be considered a violation of this trust.

WHAT IS A FEE-ONLY INVESTMENT ADVISOR?

Fee-only investment advisors are not compensated by commissions from selling investment products. Instead, they are compensated by fees. The fees can be hourly, a flat fee, or a fee based on the amount of assets under management (AUM).

WHAT IS YOUR INVESTMENT MINIMUM?

The current account minimum is $5000; however, some investments may have a higher minimum.

WHERE IS MY MONEY KEPT?

We use Charles Schwab as our custodian for advisory assets. Charles Schwab is the largest custodian servicing independent financial advisors. Through Schwab, we are able to provide the full capabilities and institutional strength of a large firm while maintaining the personalized service and responsiveness of a boutique.

WHAT IS SIPC?

The Securities Investor Protection Corporation (SIPC) is a non-profit corporation that provides limited coverage to investors' brokerage accounts in the event the firm becomes insolvent or bankrupt. The amount of coverage is limited to $500,000 per client, including up to $250,000 in cash. SIPC coverage does not protect against a decline or any fluctuation in market value.

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