Your wealth
ascends.
Your rate descends.

When I'm managing your full portfolio — whether it holds equities, bonds, money markets, or a mix — the tiered AUA fee applies across the entire managed portfolio. Stagnant positions within a managed portfolio are included in the fee structure. One fee covers everything: investment management, financial planning, ongoing strategy, and coordination.

Many clients come to me from CDs, savings accounts, and money markets — that's all they've ever known, and sometimes it's all they need. If you solely hold a money market, a single bond, or a single CD and don't require a full managed plan, there is no advisory fee. The fee only applies when I am providing full planning and portfolio management for you.

Certain instruments — select fixed or insurance-type products held for extended periods — may carry a commission embedded in the product structure. This is always disclosed before any decision is made. I only recommend these when they genuinely serve your long-term interest, never as a reason to place you in a product.

My advisory fee does not cover the internal expense ratios charged by the funds themselves — these are separate costs built into the fund. I take this seriously: minimizing expense ratios is a priority in every portfolio I build. Low-cost funds compound the benefit of every dollar you invest, and I actively seek the most cost-efficient options available for your strategy.