Question 1

Who do you work with?

Accepted Answer

Everyday families — teachers, nurses, small-business owners, two-income households, people a few years from retirement. If you want a real financial plan in plain language and an advisor who actually knows your name, you are who we built this for.

Question 2

Is there a minimum?

Accepted Answer

No high minimum to get started. We care more about whether you want a real plan than about the size of your accounts. The best first step is a conversation, and we will be honest with you about whether we are a good fit.

Question 3

How are you paid?

Accepted Answer

We are fee-only. You pay us directly — a clear, agreed-upon fee disclosed in full in our Form ADV. We earn no commissions, sell no products, and take no referral fees, so there is nothing steering the advice but your plan.

Question 4

What does "fee-only" actually mean?

Accepted Answer

It means our only income comes from you, the client. We do not sell insurance or investment products and we get no kickbacks for recommending anything. That removes the hidden conflicts most people do not even know to look for.

Question 5

Do you handle taxes and investments?

Accepted Answer

We do year-round tax planning and coordinate with your preparer, though we do not file returns. We also manage investments — a sensible, low-cost portfolio built around your plan, not as a sales pitch.

Question 6

What happens in the first meeting?

Accepted Answer

We talk about where you are and what is on your mind. No pitch, no cost, no obligation. By the end you will have a clear sense of how we work and whether it is the right fit for your family.

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