FAQ

  • Are you a fiduciary?

    Yes — always. As CFP® professionals and a fee-only RIA firm, we are fiduciaries 100% of the time. That means we are legally and ethically bound to act in your best interest, not ours.

  • What does “fee-only” mean?

    As a fee-only firm, we’re compensated solely by our clients, not by commissions, product sales, or third-party incentives. This means our advice is 100% objective and focused on your best interests.

  • What is a CFP® professional?

    CFP® stands for Certified Financial Planner™, a designation that requires rigorous education, extensive experience, and adherence to the highest ethical standards in financial planning. Our CFP® professionals are trained to provide comprehensive advice across all aspects of your financial life.

  • How do you charge for your services?

    An annual fee of 0.5% to 1% of the assets we manage. The percentage goes down as your portfolio grows. You may be charged a one-time fee, starting at $2,500, for an initial retirement plan if you decline Asset Management.

  • Who do you work with?

    Mostly people in or near retirement, usually with $500,000 or more saved. We’re based in Los Alamitos, Ca and serve clients nationwide.

  • Do you have account minimums?

    Most of our clients have $500,000 or more saved. If you’re not there yet, a one-time retirement plan (starting at $2,500) may be a good fit, and if we’re not the right fit, we’ll help point you toward a better option.

  • Do you meet with clients virtually?

    Absolutely! We offer both in-person and virtual meetings for your convenience. Whether you’re local or across the country, we make it easy to stay connected.

  • Still Have Questions? Let's Talk.

    We know that financial planning isn’t one-size-fits-all and neither are your questions. If there’s anything we didn’t cover here, we’d love to hear from you.

  • Do you offer hourly advice?

    We don’t offer ongoing hourly advice. We’ve found clients are best served when we can stay involved, managing investments and updating the plan as markets move, tax rules change, and brings surprises. If you’d prefer one-time guidance, our retirement plans start at $2,500.

    The one exception: if most of your savings are in accounts you can’t move yet, such as a 401(k), at a current employer, we can provide ongoing advice on those accounts for an hourly fee until you’re able to roll them over.