Frequently Asked Questions.

Do you take custody of my assets?

No! Our financial advisors will never take possession of your cash or securities. Your assets will be held by a reputable, independent third party – we generally use Fidelity as our custodian, but can use others as well.

How is your financial advisory firm compensated?

We are a fee-only firm. The only compensation we get is from you – in the form of fees to create and maintain your financial plan and/or fees to manage your assets. We never receive commissions or compensation from any other source.

I have some investments I want to manage on my own. Can I still work with you?

Certainly. We keep the investment assets we manage in a separate account. So, while we would certainly caution you against doing so, you are always free to open another account and have some “fun money” with which to speculate.

How are you different from the broker I use?

Stock brokers owe their allegiance to the firms that employ them. (Ever wonder why they’ve tried to sell you their own funds? Not necessarily because they’re the best investments!) Our only allegiance is to you. We are legally-bound to act as a fiduciary – we must put your interests before ours.

Will you provide advice on issues outside of my assets?

Yes! Our financial planning service includes all of your assets. Our financial advisors make sure you’re properly invested and diversified across all of your accounts – the ones we directly manage as well as retirement plans with your current employer.

Do you require minimum investment amounts?

In order to provide an excellent level of service we require a minimum annual fee of $2,000. These can be fees for financial planning, investment management or a combination of the two. For investment-only clients we require a $200,000 minimum asset level.

Are your fees deductible?

Under Section 212 of the IRS Code, investment advisory expenses are deductible to the extent they exceed 2% of your adjusted gross income. The actual deduction you receive will depend on your circumstances – we advise you to consult your tax preparation professional.

Can you help clients save money?

Yes, in many ways! A thorough review of your financial situation by a qualified financial planner can, at a minimum, uncover potential income tax, mortgage interest, and estate tax savings.

Is financial planning only for the wealthy?

Not at all! Financial planning is the process of identifying the size and timing of your financial goals and creating a plan to achieve them. Our financial planners can help you create a plan that provides greater certainty of being able to meet your goals – like retiring in the style you want or sending your kids to college.

Phone: +1 866 699 6854

Boulder, CO

Denver, CO

Fort Collins, CO

Colo Spgs., CO

Golden, CO

Longmont, CO

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