Depending on the services you are engaging with us to provide for you, we are compensated as follows:
Wealth Management and Portfolio & Investment Analysis. These services are provided on a Fee Basis. You are charged an agreed upon fee for management and/or consultative services. We accept no commissions or outside compensation.
Personal Financial Planning. Financial Planning services are provided on a Fee Basis. Clients are charged an agreed upon fee for the initial financial plan and an annual fee for ongoing consultations and updates should they desire. We accept no commissions or outside compensation.
Business & Professional Services.
- Retirement Plans. These are offered on a Fee Basis. Employers and Employees are charged an administrative fee. We may build our fee in with one being billed by a custodian or third party administrator.
- Group Employee Benefits. Depending on the size of the group and the type of benefits being implemented they are offered on a Fee, Fee Offset or Commission Basis.
- Business Continuity & Succession Planning. This form of Financial Planning is offered on a Fee Basis.
Insurance Placement. Some insurance products that may be necessary or desired in implementing your financial plan may not be available in the marketplace in a no load product. In these cases if you desire, we will broker the transaction on your behalf and credit any commissions received from the insurer toward your planning fee's. Please note that most states prohibit direct rebating of commissions to client's. This service is offered on a Fee Offset Basis.