How ​are you paid?

We are fee-only. We do not accept commissions or compensation from any other source. For Investment Management services we get paid on a percentage of assets under management. For financial planning services we charge an hourly rate with an estimate for the defined scope of the plan.

Do you have an account minimum for Investment Management?

Yes, for Investment Management our minimum is $500,000. We do not have any minimum for planning.

Will you have custody of my money?

No, we never serve as the custodian of your money.

Are you affiliated with Schwab or Fidelity?

No, we have an arm’s length relationship with these two custodians and work with them to custody our clients’ assets. Each custodian will send clients their own brokerage statements, on at least a quarterly basis, and annual tax documents.

How many clients do you work with?

We have about 140 client families that we work with presently. We maintain a high advisor to client ratio which we believe provides us a strong balance of service and professional expertise.

Where are you located?

Our office is at 118 Pine St in beautiful Burlington, Vermont. We are happy to meet with clients in our office or via Zoom!

Are you fiduciaries?

Yes. As Registered Investment Advisory representatives we are fiduciaries for our clients. This means that we must always act in the best interests of those under our care.

Can I just get a financial plan?

Absolutely! Although many of our clients choose both planning and management, our services are decoupled and many people come to us for planning alone.

Fee-only compensation can help to mitigate, but does not necessarily eliminate, conflicts of interest in rendering investment advice. Please review our Form ADV Part 2A for further discussion on our material conflicts of interest. Our relationships with outside service providers, our scope of clients, and our professional standard of conduct are not indicative of a minimum level of service to be provided and are not predictive of future client experiences. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.

Not all services will be appropriate or necessary for all clients, and the potential value and benefit of the adviser’s services will vary based upon the client’s individual investment, financial, and tax circumstances. Neither personalized nor specialized services should be construed as a guarantee of a particular outcome. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.