How We Help

We add value by:

  • Giving you financial clarity by helping you define meaningful goals and aligning current finances with those future goals.

  • Creating and providing a financial roadmap to achieve those goals.

  • Answering pressing questions and alleviating concerns that keep you up at night.

  • Building you a custom portfolio that matches your personal circumstances.

  • Using robust planning software tools to allow you to visualize your financial future in understandable terms.

  • Helping you take full advantage of employer benefits.

  • Decreasing your tax liability.

  • Analyzing cash flow to find areas for improvement.

  • Providing actionable tips to pay off debt.

  • Encouraging consistent saving and investing to keep your plan on track.

  • Keeping your psychological biases in check that would otherwise derail your investing journey.

  • Simplifying and demystifying the money stuff to save you time and effort.

Give me some numbers.

Vanguard estimates that hiring a human financial advisor potentially adds about 3%* to your annualized return via:

  • Cost-effective implementation: 0.35%

  • Rebalancing: 0.35%

  • Tax-efficient asset location: 0.40%

  • Tax loss harvesting: 0.40%

  • Spending strategy (withdrawal order): 0.35%

  • Behavioral coaching/correcting: 1.50%

The study extended that to a hypothetical comparison of a portfolio with an 8% annualized return (3% value-add) versus one with a 5% annualized return over 25 years:

  • On average, a hypothetical $500k investment would grow to over $3.4 million under the care of an advisor over 25 years.

  • The expected value from self-management of the same hypothetical investment would be $1.69 million – 50% less.

What about robo-advisors?

Human Advisor

  • Deep understanding of personal goals and circumstances

  • Personal connection/relationship

  • Behavioral coaching and support

  • Advice on life decisions like buying a home

  • As-needed advice as life events happen

  • Personally relevant market insights

  • Validation of correct decisions

  • Customized portfolio

  • Unlimited investment choices

  • Specificity and nuance

  • Proactive

  • Tax-efficient withdrawals

Robo-Advisor

  • Minimal understanding of goals and circumstances via questionnaire

  • No connection/relationship

  • No behavioral coaching and support

  • No advice on life decisions

  • No as-needed advice

  • Broad market insights

  • No validation of accuracy

  • One-size-fits-most portfolio

  • Limited investment choices

  • Pigeonholing

  • Reactive

  • Tax-inefficient withdrawals

82% would rather have a human financial advisor manage their investments than a robo-advisor.

- MagnifyMoney, 2021**

The Experience

You’ll feel…

✓ Relieved

Money can be a huge source of stress, and worrying about it can feel overwhelming. We’ll put a plan in place so you can sleep more easily.

✓ Organized

Getting your scattered financials in order brings clarity and peace of mind. We’ll provide you with a holistic understanding of your financial journey.

✓ Confident

We provide the tools to empower you to take control of your financial future and feel confident about your financial well-being. You got this.

✓ Alive

Your time is valuable. Let us take care of the money stuff so you can spend more time doing the things you enjoy with the people you love. Go make those memories.

95% of those with a human financial advisor think it’s worth the money.

- MagnifyMoney, 2021**

*Disclaimer: All investing involves risk, including loss of principal. Working with an advisor involves fees and is not guaranteed to yield positive returns. Review the methodologies employed in the Vanguard whitepaper “Putting a Value on your Value, Quantifying Vanguard Advisor’s Alpha.” The value of professional investment advice quoted above is only an illustrative estimate and varies with each unique client’s individual circumstances and portfolio. Carefully consider your investment objectives and risk.

**“Half of Consumers Think Financial Advisors Are More Expensive Than They Are, But Almost All Who Use One Say They’re Worth It”, MagnifyMoney (March 2021)