1926 E. Fort Lowell Rd Suite 100
Tucson, AZ 85719
Contact Us
Mon - Thurs: 9:00 - 5:00 AZ
Fri: 9:00 - 3:00 AZ
1926 E. Fort Lowell Rd Suite 100
Tucson, AZ 85719
Contact Us
Mon - Thurs: 9:00 - 5:00 AZ
Fri: 9:00 - 3:00 AZ
We typically charge a percentage-based fee on assets under management (AUM).
Our annual fee is based on assets under management, starting at 1%. This covers portfolio management, regular reviews, rebalancing, tax coordination, and ongoing access. As account sizes increase, the fee rate decreases.
We use a transparent percentage-of-assets-under-management model. We get paid more when your portfolio grows and less if it shrinks—our goals align with yours.
Yes. We’re fee-based fiduciaries legally required to act in your best interest
If your situation is straightforward and you enjoy monitoring your accounts, absolutely. Unfortunately, the world does change, and keeping up with economics, new laws, and market trends can get tiring and time-consuming. Our clients feel that paying for us to watch over and handle all the difficulties for them is worth the cost.
Nothing. It’s completely complimentary with no obligations. Roughly one in four people we meet with don’t need our help and just need a second opinion to confirm they’re on the right track.
45-60 minutes for the first meeting, depending on your situation.
Just your questions and a good idea of your situation. Recent investment statements are helpful but not required for the first meeting.
Assuming there are areas worth exploring, we will do a few educational meetings to make sure you understand what you should be doing and our recommendations on what we would do if you were to hire us. That is all complimentary. There is no pressure to move forward unless you feel it’s the right fit.
We have arrangements with two of the largest national custodians, Schwab and Fidelity, so if you do decide to work with us, you have the peace of mind knowing your accounts will be held by one of the best-known names in the industry.
Our official minimum is $250,000, but our average account is above $1,000,000, and many accounts are in the tens of millions.
We are unusual in the industry in that we will proactively reach out to our clients to schedule reviews at least annually. In more complicated situations or when the markets are particularly volatile, we will invite our clients to meet more frequently. Our clients also can reach out to us for a meeting at any time.
Yes, with modern technology, about half of our local clients prefer to meet via Zoom or Teams even though they are right down the street.
We’re happy to provide a second opinion on your financial strategy. Many of the people we work with have worked with a financial advisor or are currently working with one. There are many different ways of doing things or different approaches to investments. Our emphasis on efficiency, liquidity, and transparency, along with our customer service, often appeals to people over their existing advisor.
No. We work collaboratively with your existing advisors. Our role is investment strategy and wealth planning; we coordinate with your CPA on tax considerations and your attorney on legal structures.
Unlike bank-affiliated advisors who may be incentivized to sell proprietary products, we’re independent fiduciaries. Our focus is solely on your personal wealth strategy and what serves your goals. Often, if you do a cost analysis of your banking relationship, the amount of money you have to keep in low-interest accounts to maintain the relationship costs more than the benefits. We also don’t have to bear the cost of TV advertisements, sports sponsorships, etc., that many large brand-name firms maintain.
Robo-advisors handle basic allocation but can’t provide behavioral coaching during stressful conditions, adjust for your specific tax situation, or coordinate with your other professionals. For simple situations, they work fine. For complex situations, a fiduciary advisor adds real value. Our clients also have expressed little faith in AI. In retirement, one big mistake could undermine everything you’ve worked for. We find that most people prefer to work with humans, like us.
No. We don’t believe anyone can do it consistently. We focus on efficiency, effective risk management, and aligning your portfolio with your actual goals.
This is called sequence-of-returns risk, and it’s exactly what preservation strategies protect against. We stress-test your portfolio against this scenario and build in buffers so market timing doesn’t devastate your retirement income. We have a specific strategy that we have used for decades to protect against this exact situation.
Not necessarily. A portfolio that lets you stay invested through crashes will outperform a portfolio that causes you to panic-sell at the bottom. Risk-adjusted returns matter more than raw returns. Rebalancing portfolios at either high or low points also has real benefits.
Investment management focuses on portfolio returns. Retirement planning integrates withdrawal order, Social Security timing, Roth conversions, tax bracket management, and Medicare considerations, among many other considerations—then updates the plan regularly.
See how we approach: Portfolio Management | Wealth Management
