See below to our answers to most common questions and learn how we're different.
How much do I have to invest to work with you?
We believe that sound financial advice should be available to everyone who needs it, not just the wealthy. This is why we have no asset minimums for you to work with us. You don't even need to invest anything with us! We are committed to helping you establish and reach your financial goals, with or without investment management.
Are you held to the fiduciary standard? why does it matter?
As a CFP® Professional and a fee-only Registered Investment Adviser (RIA) firm, we are held to the fiduciary standard. This means we have an obligation to always put the best interests of our clients first. Unlike advisors who are subject to a suitability standard, we must always help you make decisions that are in your best interest and are not tied to commissions or product sales (the best interests of the firm).
What is fee-only? why does it matter?
Fee-only is exactly what it sounds like. It is simply fee for service. Being a fee-only advisor is important to us, because it helps reduce conflicts of interest and is crucial for maintaining a fiduciary relationship. Fee-based or commissions-based advisors earn commissions on certain fund transactions and product sales. This means a trade can be placed in your account in order to generate some income for the advisor, even if the result is not in your best interest. These advisors may also be motivated to sell products to you that are not necessary, but "good enough" to meet the suitability standard.
How much are your fees? How do I pay you?
We are quite flexible with how we work with our clients. Our typical package will include a comprehensive plan with ongoing monitoring and support and investment management. Our fees (and lots of other useful information) can be found on our Form ADV. For those who are not engaged in investment management, we will set up a monthly or quarterly subscription for you that can be paid check or bank draft. For those who do engage us for investment management services, fees may be deducted directly from your managed account.
Where is your office located? Do we have to meet there?
Our office is located at 121 FM 359 Rd in Richmond, TX. While we do maintain an office in Richmond, TX we are able to work with you wherever you are. That can be in our office, the coffee shop down the street, or via virtual meeting using screen share and video chat capabilities.
What else should I know?
We take pride in our commitment to transparency and accessibility. We utilize the latest technology solutions to create and monitor your plans and perform our investment management services. We provide you with a client login so you can view your plans and accounts at any time. We also provide you with a secure portal to share files and store important documents that you can access anywhere at any time.