FAQ

As a fee-only, independent, fiduciary, we never receive commissions from the investments we recommend for you. We will not sell you life insurance or annuities. We are compensated for providing financial advice and investment management. You have the flexibility to work with us in three ways: one-project financial plan, comprehensive ongoing financial planning, or comprehensive financial planning and investment management together.

One-project plan: starts at $4,000. 50% is due upfront and the remainder is due the earlier of 90 days or at plan delivery.

Comprehensive ongoing financial planning: starts at $500 a month for individuals ($6,000 per year), $750 per month for couples ($9,000), and may increase as complexity increases.

Investment management and financial planning are based on a percentage of your assets under management.

Investment Management and Financial Planning Annual Fee Schedule:

$0-$1,000,000* 1.0%

Next $4,000,000 0.75%

Assets above $5,000,000 0.50%

*Subject to the annual minimum ongoing planning fee

An upfront onboarding fee of $2,500 for both ongoing financial planning and investment management services will be collected at the beginning of our new, collaborative relationship.

Read more about our services here.

Absolutely, YES! 100% of the time. As a fiduciary, it means that I am acting in your best interest. I have signed a fiduciary oath to uphold this high standard. Not all financial advisors choose to or are acting as fiduciaries all the time.

Yes, we have clients in St. Petersburg and located across the country. Even though clients may be local, being virtual is ideal because it increases meeting response time and clients are able to easily schedule meetings that don’t require additional travel time, parking hassle, and waiting in a lobby to be seen in a downtown office. And for those with young families, giving you back that extra time also means not having to find childcare or transportation for little ones while you block several hours out of your day to travel to meet your advisor. Working together virtually is faster, more convenient, and less stressful for you as the client. We believe if you can show up authentically as yourself on Zoom, you also skip the suits and ties parade of the old-school financial advisor’s office and feel more relaxed in the comfort of your own home.

No. Our focus is on inclusivity in financial conversations. But when women are our clients, we want them to feel their voices are heard and are as much a part of the conversations about goals and visions of their financial future as equal partners in their relationship. We are committed to elevating women’s voices at the financial table to feel confident and empowered in their journey.

Working together virtually means that you can be your authentic self and log in from anywhere, saving you time and energy. We know that money conversations can feel deeply personal, and we want you to feel relaxed in the comfort of your own space to talk freely. We use Zoom for our meetings. You will receive access to your own financial planning dashboard where we will collaborate and build your plan together. Your personalized financial planning site also has a secure vault for us to share documents so we ask that you never send sensitive information over email. In addition to seeing how your investments fit within your comprehensive financial plan, our investment management clients will be able to monitor investments and view statements through one of our custodians. The security of your information is our highest priority and working virtually eliminates paper waste and fewer chances of your sensitive information landing in unwanted hands.

Yes. And we understand it may take more than one conversation to feel comfortable hiring a financial advisor to handle your most treasured resources. Our first Introductory meeting should last about 30 minutes and is a chance for us to get to know each other, for you to ask questions, and for us to share how we work with clients to see if there is a mutual fit. If there is a good connection, we’ll meet for a deeper dive Discovery Meeting to discuss the beginning steps of the planning process, onboarding, and most importantly, begin working through some of your highest priorities.

Schedule your Intro meeting here.

Just as your life and goals are unique to you, so too is your meeting schedule. We will likely meet quite often in the beginning as we start our new relationship, onboarding, and building the start of your plan as we want you to feel comfortable every step of the way. Once we get into a regular cadence, most clients prefer to meet two to four times per year. I am also always accessible to schedule a Zoom or email if questions arise between our visits.

I hold the CFP® and CFA designations and I have earned an MBA with a finance concentration. I have been in the financial services industry for approximately 20 years working directly with clients on their investments, training teams of other financial planners, creating financial plans, working with multi-generational families, and helping thousands of clients make the transition into retirement bliss and achieve their life goals.

No. We do not have asset minimums. That is why we offer financial planning as a stand-alone service. You do not have to have amassed a sizable investment portfolio before seeking financial planning advice.

Instead, we charge a minimum fee for the work we provide to ensure we are fairly compensated for the time, services, and expertise we provide in our journey together. We strongly believe in full transparency and that you should know what the cost is for our services from the very beginning. You can find the details of our fee schedule on our website here.

We believe the markets are efficient and reflect publicly available information. Therefore, active management through selecting individual stocks generally does not add consistent value over a long period of time. Frequent buying and selling can add more in taxes, fees, and lost opportunities through trying to time the market and therefore, can do more harm than good. We believe that the best way to achieve long-term financial success is through an appropriate asset allocation strategy that aligns with your goals, establishing a regular investment regime (for wealth builders), periodic rebalancing, and diversification in a disciplined approach. We focus on things we can control.

Our Investment Management Principles:

· ALIGN & STRATEGIZE: Designate strategies by account to align with your values and goals

· LOW-COST DIVERSIFICATION: Minimize costs with low annual expense ratios and use index funds where possible

· GROW NOT CHASE: Optimize long-term inflation-adjusted appreciation and/or income to fit your goals and avoid chasing past-performance that leads to unjustified portfolio risk

· TAX FOCUSED: Minimize taxes over the long-term while maximizing your goals for financial success through tax-efficient investments and tax planning

· KEEP IT SIMPLE: Look for opportunities to simplify your financial picture and alleviate financial stressors of life