Frequently asked questions.
Why hire us?
We are local in the Vail community.
We have local contacts for insurance, real estate, mortgage loans, CPA, tax preparation, and estate planning needs.
We are fiduciary. That means we have a legal duty to act in your best interests first.
We do not get paid to direct your money into any mutual fund or investment product. There are no back end commission arrangements or incentives from investment companies
We don’t sell insurance or annuity products. However, if you have a situation where an insurance or annuity product may be suitable, we can refer you to low-cost and efficient alternatives through reputable firms.
We are a fee-only financial planning firm. You receive full disclosure upfront exactly how we are compensated. No hidden charges.
Many years of experience working directly with pre-retirement and retired investors.
A personal, one on one relationship.
We are active in the local community and a member of the Greater Vail Chamber of Commerce.
We are a licensed Registered Investment Advisor with the State of Arizona.
What is a CFA?
A CFA, or Chartered Financial Analyst, charter is a professional credential bestowed by the CFA Institute for financial and investment professionals who have completed its program of study, passed all three levels of its examinations, and met other professional requirements.
The CFA is the Most Prestigious Designation in Finance and Investment. No other professional designation carries the same weight for asset managers and other financial industry participants. A CFA Charterholder must abide by a strict Code of Ethics
How do you get compensated?
We are a fee-only financial advisory firm. We do not work on commissions. You can choose to pay a flat fee for a financial plan only or choose to hire us as your portfolio manager which includes a financial plan for a set percentage of assets under management fee.
How much is portfolio management?
Our annual fee schedule is as follows:
1.25% for household balances on the first $250,000 to $999,999 under management
1.00% for household balances on the next $1,000,000 and above
Deducted monthly in arrears based on the quarter-end balance in your accounts
