Fiduciary principles.
The commitments we make to every family we serve — and the ones we will never deviate from.
The word “fiduciary” is used loosely across our industry. We would rather state plainly what we mean by it, so you can hold us to it.
A fiduciary is legally and ethically obligated to act in the client’s best interest. Not when it is convenient, and not only when a product is being recommended — at all times, across the entire relationship. What follows is how that obligation shows up in our day-to-day work.
Your interests come before ours
Every recommendation is made on the basis of what is right for your family. Where our interests and yours could diverge, yours prevail — and we will tell you where those points exist rather than wait to be asked.
We invest alongside you
If an investment is not attractive enough for our own personal capital, it will not be implemented in our clients’ portfolios. Our financial outcomes move in direct proportion to yours.
We are transparent about cost
You will know what you pay us, what you pay anyone else, and what each dollar buys. Fees are explained in writing before an engagement begins, not disclosed afterward in a footnote.
We communicate with candor
We will be crystal clear in our communication and reporting, because that is what we would expect if the roles were reversed. That includes telling you when a decision has not worked, and why.
We think independently
We make investment decisions based on facts and reasoning, not speculation or consensus. Our temperament is geared to never blindly follow the crowd, including when that is uncomfortable.
We are accountable in writing
Our regulatory disclosures, including Form ADV Part 2A and 2B, are publicly available and linked from every page of this site. You can also verify our registration independently through FINRA BrokerCheck.
What this means for your family.
No product agenda
We are not compensated for steering you toward any particular investment, manager or insurance contract. Recommendations follow from your plan, not from a shelf.
One coordinated view
We report on everything you own, including assets we do not manage. A fiduciary cannot advise responsibly on a picture they can only see half of.
Advice before transactions
The plan comes first. If the right answer is to do nothing, or to keep an advisor you already trust, that is the advice you will receive.
Don’t take our word for it.
Our disclosures are public. We encourage every prospective client to read them before a first meeting, not after.
Ask us the hard questions.
How are you paid? What are your conflicts? What happens if I want to leave? We would rather answer those in the first meeting than the fifth.