Our fee schedule is on this page. All of it.

How we work with families

Planning first. Investment management matters, but it is rarely the thing that changes an outcome.

• Financial planning

  Cash flow, tax, insurance and estate structure, reviewed annually. The plan is the product; the portfolio implements it.

• Investment management

  Low-cost, globally diversified and tax-aware. We do not attempt to time markets and we will tell you why.

• Business owners & exits

  Concentrated position planning, sale structuring and what happens to a family the year after a liquidity event.

• The next generation

  We meet your adult children at no additional cost. Most families lose their adviser at inheritance; that is a failure of relationship, not returns.

How a relationship starts

Three conversations before anyone signs anything, and no cost until you decide to proceed.

1. Introduction

   Half an hour, no cost, no preparation needed. Mostly us listening and you deciding whether you like us.

2. Discovery & analysis

   We gather everything and analyse it properly: tax returns, statements, insurance, estate documents. Two to three weeks.

3. The plan

   Presented in full and in plain English, including the parts of your current arrangement we think are wrong. Yours to keep whether or not you engage us.

4. Ongoing

   Quarterly reviews, annual deep planning, and access between times without watching a clock.