We are a fee-only firm. Clients pay transparent, predetermined advisory fees based on assets under management. We receive no commissions, sales charges, or incentives from product providers. This eliminates conflicts of interest and aligns our success directly with yours.

Yes, 100% of the time. We are registered as an investment adviser with the SEC and bound by fiduciary duty for all advice we give. This means we are legally required to act in your best interest, not our own.

Todd holds both the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP) designations. Less than 1% of financial advisors hold both credentials. These require rigorous education, exams, and ongoing professional development in financial planning, investment analysis, and ethics.

We provide comprehensive financial planning and investment management. This includes cash flow analysis, retirement planning, tax strategy, estate coordination, risk management, special needs planning, business exit planning, and ongoing portfolio management. We work as your coordinating financial advisor, integrating everything from investments to tax decisions to estate planning.

It depends on your needs. Most clients meet with us quarterly for comprehensive reviews plus ad-hoc calls as issues arise. Your plan dictates the schedule, not a preset calendar. We're available when you need us.

We believe in evidence-based investing: diversified, rebalanced, tax-efficient portfolios aligned to your risk capacity and goals. We don't try to beat the market or time it. We focus on systematic discipline, avoiding emotional decisions, and letting compounding work over time.

By being fee-only, we eliminate the biggest conflict: product sales. Everything we recommend is in your interest, not ours. We're transparent about all fees, disclose our ADV brochure, and operate under SEC fiduciary standards. When you win, we win.

We typically work with families with $500K to $1M+ in investable assets. Minimum account size depends on the complexity of your situation. Call us to discuss whether we're a good fit for your circumstances.

Absolutely. We actively coordinate with your tax and legal advisors. Tax decisions inform investment decisions. Estate planning informs titling decisions. We share information and collaborate to make sure everything works together. You get one coordinated financial plan, not piecemeal advice.

You can terminate the relationship at any time with written notice. We operate through Farther Financial, so your accounts stay custodied with your chosen broker. There are no surrender charges or hidden exit fees. We earn your business every day.

Frequently Asked Questions