Do I pay a commission, fee or hourly rate?

Depending on the service you would like us to provide, this is really up to you. For portfolios that we manage on a discretionary basis, we are compensated by charging a fee on the total amount of assets we manage. This helps to avoid the obvious conflict of interest that exists if your financial advisor is making all of the decisions and is compensated for every trade. Also, quite frankly, receiving a fee means that the more money we make for you the more money we make for us. And the longer you are happy with us, the longer we can earn our fee.

For portfolios that we manage on a non-discretionary basis we prefer to be compensated on a fee basis for all the reasons stated above, but we will operate on a traditional commission basis if you prefer.

For advisory services, we charge an hourly rate.

Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part II as well as the client agreement.