Do I need to have a certain amount of money to work with you?
My services are typically most beneficial for clients with investable assets of $1,000,000 or more. However, I understand that everyone’s financial situation is unique. If you’re below this threshold but are committed to growing your wealth and believe my services could be valuable to you, I encourage you to reach out for an initial consultation. I can discuss your specific needs and determine if we're a good fit for each other.
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Where are my assets held?
Your assets are held in your own accounts under your name with a reputable third-party custodian, Charles Schwab. This arrangement provides an added layer of security and transparency. As your advisor, I have the authority to manage these assets based on our agreed-upon strategy, but I never have direct access to your funds. You’ll receive regular statements directly from the custodian, allowing you to verify your holdings and any transactions independently.
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Will you prepare my tax return?
​We do not prepare tax returns, but we regularly partner with a distinguished firm that specializes in individual and trust tax preparation. We are also happy to coordinate with your own tax preparer. For clients taking advantage of our ongoing services, we can seamlessly integrate tax preparation and offer timely tax projections to adapt to changes throughout the year.

Are you a fiduciary?
Absolutely! While the financial industry tries to water-down the true meaning of a fiduciary, we will always act in the best interest of our clients.
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What is your investment philosophy?
Our investing approach is focused on understanding the best practices and knowledge defined by the last 50-plus years of academic and practitioner research. This research is ongoing and will continue to inform the recommendations we make to our clients. When designing portfolios, our strategy is not defined by what any person or group "thinks" markets, the economy, or interest rates will do.  Instead, we believe there are six key tenants:

• Outperforming the market is difficult.

• Global stock market diversification is the starting point. 

• Increasing exposure to groups of assets based on their size, value, and momentum can increase expected return.

• The primary role of fixed income (i.e. bonds) is to reduce portfolio volatility.

• Academic evidence supports modest use of alternative strategies.

• This approach is not static as it evolves slowly over time as academic and practitioner evidence evolves.

Portfolios are typically composed of U.S., international and emerging markets stock funds and ETFs (exchange traded funds); high-quality bonds held individually or through bond funds; and in some cases, alternative investment strategies. For those clients who participate in employer plans such as TIAA, we are able to implement with the investment options available but still use the above tenants as a guide. Implementation through proper asset location to maximize tax efficiency among different accounts (IRA, Roth, 401(k), 403(b), etc.) and ongoing maintenance to periodically rebalance the portfolio are also important components of the process.