Your Life, Your Plan
We don’t believe in taking a one-size-fits-all approach to financial and investment planning. Even though Accumulators like you share certain life milestones, we recognize that each of our clients has unique goals. We’re committed to making your personal goals the foundation of the financial plan we develop with you.
Putting Human Capital to Work
In the accumulation phase of your life, you are starting to make good money, but the financial assets you have are usually illiquid, such as a business or a home. In the financial world they even have a nickname for you. You are a “HENRY” or High Earner Not Rich Yet. To best service you, we take a different approach. First, we take your assets—real estate, bank accounts, stocks and bonds—and add to that mix your human capital, or the present value of your future income. Incorporating your human capital allows us to give you a true sense of what you are worth today while helping us to structure a more realistic plan to meet your goals in the future.
Fees to Fit Your Stage in Life
Most advisory firms require that you have a certain minimum of assets that they can manage since that’s what they base their fees on. That eliminates Accumulators as viable clients for most firms. We don’t have investment minimums, and our financial planning is based on a simple and easy-to-budget-for monthly retainer. This allows us to work with clients no matter how much they have in liquid assets.
Investments Customized for You
Our investment strategies are implemented with institutional asset managers, most of whom aren’t accessible to the public, such as Dimensional Fund Advisors and AQR. The strategies we select for you are backed by Nobel Prize-winning research and evidence-based investing principles. They focus on minimizing costs and taxes so you can keep more of your hard-earned money. What’s more, we take into account your priorities, such as your time frame and the amount of risk you are willing to tolerate, so you can be confident that every part of your investment plan is tailored to meet your specific goals.
Technology to Make Life Simpler
It used to be that clients could expect reams of paperwork from a financial advisory firm, plus regular meetings at the advisor’s office. We value technology for both the organization and convenience it brings to our clients’ lives. We use technology to aggregate your accounts into a household balance sheet that’s easily updated, and to create and monitor your financial plan. We believe in the value of regular contact, but you don’t need to carve time out of your already busy workday. We can meet with you virtually—after you get home from work and have put the kids to bed. You can relax and enjoy a glass of wine with your spouse while we walk you through the financial progress you have made. Different, right?