Q: 1. What should I expect from the consultation meetings?

The initial meetings are designed to understand your financial situation, goals, and priorities. The first meeting focuses on learning about you and your overall financial picture. In a follow-up meeting, I present a structured financial and investment framework tailored to your situation, outlining how your strategy may be implemented. After these discussions, you can decide—without obligation—whether you would like to move forward and establish an ongoing advisory relationship.

Q: 3. Why are the first consultation meetings free?

The first consultation meetings are offered at no cost because they are designed to create clarity and understanding before any investment management begins. I believe everyone should have the opportunity to learn about investing and be exposed to investment concepts and opportunities in a thoughtful, educational setting—without pressure or obligation. These conversations allow me to understand your goals, priorities, and financial situation, while giving you space to ask questions and gain clarity about my approach. Advisory fees apply only if you choose to move forward and establish an ongoing investment management relationship.

Question 1

1. What should I expect from the consultation meetings?

Accepted Answer

The initial meetings are designed to understand your financial situation, goals, and priorities.

The first meeting focuses on learning about you and your overall financial picture. In a follow-up meeting, I present a structured financial and investment framework tailored to your situation, outlining how your strategy may be implemented.

After these discussions, you can decide—without obligation—whether you would like to move forward and establish an ongoing advisory relationship.

Question 2

2. Are you acting as a fiduciary?

Accepted Answer

Yes. As a registered Investment Adviser Representative, I am required to act as a fiduciary and place your best interests first at all times.

This means my recommendations are made based on what is appropriate for your situation—not influenced by commissions, product sales, or third-party incentives. I do not receive compensation from recommending specific investment products.

Question 3

3. Why are the first consultation meetings free?

Accepted Answer

The first consultation meetings are offered at no cost because they are designed to create clarity and understanding before any investment management begins.

I believe everyone should have the opportunity to learn about investing and be exposed to investment concepts and opportunities in a thoughtful, educational setting—without pressure or obligation. These conversations allow me to understand your goals, priorities, and financial situation, while giving you space to ask questions and gain clarity about my approach.

Advisory fees apply only if you choose to move forward and establish an ongoing investment management relationship.

Question 4

4. How do you charge for your services?

Accepted Answer

My advisory services are offered under a fee-only, assets-under-management (AUM) structure.

There is no charge for initial consultations. Advisory fees apply only after an ongoing investment management relationship is established and are based on the total assets managed. The fee schedule is fully disclosed and discussed before any engagement begins.

I do not earn commissions or receive compensation from any investment products or services recommended to clients.

Question 5

5. Do I give you my money to manage?

Accepted Answer

No. You do not give your money directly to me.

Your investment assets are held at an independent custodial institution, Charles Schwab, in accounts owned and controlled by you. With your authorization, I am granted limited discretionary authority to manage investments and execute transactions on your behalf—strictly within the agreed-upon strategy.

I do not have the ability to withdraw funds for personal use or access your assets outside of managing the portfolio as your advisor.

How the Advisory Process Works

Phase 1 — Discovery Conversation

Phase 2 — Financial Planning

Phase 02

Financial Planning

Phase 03

Investment Strategy

Phase 04

Ongoing Advisory

5 Most Frequently Asked Questions

Start with a conversation

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