Our approach
Slow questions. Written answers. A relationship measured in decades.
There are five steps to becoming a client. There is no shortcut, and there is no obligation until the fourth.
- I
An introductory conversation
We meet for an hour in our reading room, or by video. There is no agenda except getting to know one another. You leave with a one-page memo of what we heard.
- II
Discovery & document review
If both parties wish to continue, we collect statements, tax returns, insurance policies and estate documents. We read everything. We come back with questions, not recommendations.
- III
The written plan
Within six to eight weeks we deliver, in person, a bound document covering every financial decision we believe matters in the next twelve months — and the next twenty years.
- IV
Implementation, at your pace
Decisions are made by you. We help open accounts where needed, coordinate with your attorney and CPA, and confirm each step in writing. No deadline pressure, no quota.
- V
An annual cadence, kept for life
Every year, on roughly the same week, we meet for a full review. The plan is reissued. The investment policy is reaffirmed or amended in writing. Nothing drifts.
A note on what we do not do
We are not, and have no intention of becoming, a great many things.
— We do not sell insurance, annuities, or proprietary product.
— We do not accept commissions, kickbacks, or solicitor's fees.
— We do not trade options, leverage, or alternatives in client accounts.
— We do not chase market timing or 'tactical' models.
— We do not subcontract financial planning to a third party.
— We do not, and will not, grow past a sustainable client count.
Step I