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 take custody of your money. We typically used Charles Schwab or Fidelity as a custodian for clients accounts.
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 monthly brokerage statements and annual tax documents. We do not work for them nor are we paid by them.
How many clients do you work with?
We have about 130 client families that we work with presently. We have an excellent advisor to client ratio which we believe provides us with the optimal balance of service and professional expertise.
Where are you located?
Our office is at 95 College Street in beautiful Burlington, Vermont. The office is located between Pine Street and South Champlain Street.
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.