Yes, we have a legal obligation to act in your best interest.

Every client situation is unique, and there is no one size fits all answer. Some examples are: budgeting, portfolio management, goal setting, organization, behavioral coaching, retirement, tuition, tax & estate planning, personalized service and family relationship.

Look closely at your accounts. Chances are, you are paying in one way or another (e.g. lost interest on deposits, paid interest on debt, expense ratios, surrender costs, etc). The question then becomes, are you better off continuing your current strategy at “X” cost, or hire a professional looking out for your best interest at “Y” cost.

Typically not, but we would need to review what is being transferred first. Usually, we can transfer assets “in-kind” or by way of “rollover”, which isn’t a taxable event.

We work on an hourly basis or can manage accounts for a negotiated management fee

There are a few ways:

1. Contact Schwab and they will remove us as your advisor
2. Contact a new custodian and initiate an account transfer
3. Contact us and we will remove ourselves (or tap here)

Yes, from our 1 page checklist, to comprehensive analysis, it all starts with a goal (e.g. retire by 67).

We are 100% custom to your unique situation and existing assets. Generally, we prefer simple solutions like Index ETFs & money market funds.

Yes, but there are boundaries. As an example, we can help you tax-loss or gain harvest, convert to roth, designate certain lots for charitable giving, or help with required minimum distributions, but we could not help you navigate an IRS audit. Or, we can help convert your accounts to a trust to address complex issues, work with your power of attorney, or designate beneficiaries, but we could not draft the governing document(s) themselves.