Fees & Compensation

 Our fee structure depends on the service. Financial planning is available on a flat fee or retainer basis. Investment advisory services are fee-based through our custodial platform. Insurance products are commission-based, as is standard in the industry. We are transparent about how we are compensated before any engagement begins — no surprises. 

 Yes. Like all licensed insurance professionals, we are compensated through commissions when an insurance product is placed. However, we only recommend coverage that is genuinely appropriate for your situation. Our education-first approach means we will tell you what you don't need just as readily as what you do. 

 AUM stands for Assets Under Management — a fee model where an advisor charges a percentage of the total assets they manage for you. While this is the most common fee structure in the industry, our model is not exclusively AUM-based. We believe your access to advice and planning shouldn't be gated by how much money you have invested with us. 

 Yes. The initial consultation is completely complimentary. It's an opportunity for both of us to determine whether there's a good fit before any commitment is made.