How we work

Every engagement starts with a free conversation, and you'll have the fee in writing before you decide anything. Here are the ways we can work together.

Getting Started

Ongoing financial planning for early-career individuals and young families who want a real plan before there's a lot to manage. No account minimum.

• Budgeting and a savings plan that fits your life
• Paying down debt in the right order
• Making the most of your 401(k) and workplace benefits
• Opening and investing your first accounts
• Introductory investment planning

$200 to $300 per month

Depending on complexity. Billed monthly. Cancel any time.

Comprehensive Planning

For households with more going on: two careers, kids, a mortgage, aging parents, equity compensation, or a retirement date coming into view. You may manage your own investments or hold most of your money in a workplace plan we can't manage directly. You still need one coordinated plan.

Everything in Getting Started, plus:

• Investment strategy across all your accounts, including the ones we don't manage
• Retirement planning and Social Security timing
• Insurance analysis
• Tax coordination
• For more complex situations: estate planning, tax planning, and coordination with your CPA and attorney

$750 to $2,500 per quarter

Depending on the scope we agree on. Billed quarterly.

Wealth Management

For individuals and couples with meaningful savings who want one advisor managing the investments and coordinating everything around them. Generally $250,000 or more in investable assets.

Everything above, plus:

• Discretionary investment management in accounts held at Altruist, an independent custodian
• Low-cost, diversified portfolios built from ETFs and mutual funds
• Tax-aware decisions: Roth conversions, withdrawal order, capital gains, charitable giving
• A written financial plan, reviewed with you at least annually

A percentage of assets we manage, billed quarterly. Planning included.

Assets under management	Annual rate
Up to $1,000,000	1.25%
$1,000,001 to $2,500,000	1.00%
$2,500,001 to $5,000,000	0.75%
Over $5,000,000	0.50%

Minimum annual fee of $5,000. Rates apply to your total assets with the firm. Custodian and fund expenses are separate and described in our Form ADV.

One-time questions

Need help with a single decision, like a job offer, a rollover, or a home purchase? We offer hourly planning with an estimate up front.

$250 per hour

Why the fees are published

You should be able to know what something costs before you pick up the phone. Every fee on this page is the same one in our Form ADV, filed with the State of North Carolina. Fees may be adjusted based on complexity and the overall relationship, and you'll have yours in writing before we begin. Read the Form ADV Part 2.