Fee-only fiduciary advice for families and business owners, written in English. If a document needs a glossary to be understood, it has failed before you have read it.
Planning first. Investment management matters, but it is rarely the thing that changes an outcome.
Cash flow, tax, insurance and estate structure, reviewed annually. The plan is the product; the portfolio implements it.
Low-cost, globally diversified and tax-aware. We do not attempt to time markets and we will tell you why.
Concentrated position planning, sale structuring and what happens to a family the year after a liquidity event.
We meet your adult children at no additional cost. Most families lose their adviser at inheritance; that is a failure of relationship, not returns.
Fee-only. Fiduciary. Fee schedule published. No products sold, ever.
Three conversations before anyone signs anything, and no cost until you decide to proceed.
Half an hour, no cost, no preparation needed. Mostly us listening and you deciding whether you like us.
We gather everything and analyse it properly: tax returns, statements, insurance, estate documents. Two to three weeks.
Written in plain English with no glossary and no charts that flatter us, including the parts we think you have got wrong. Yours to take away.
Quarterly reviews, annual deep planning, and access between times without watching a clock.
No charts
Worked out in pencil, on paper, in a room with a window. Then bound and given to you.
A second opinion costs nothing and takes about an hour. Half the people who come for one go back to their existing adviser reassured, and that is a fine outcome.
Fee-only. Fiduciary. Fee schedule published. No products sold, ever.