Frequently Asked Questions

Yes. Our typical minimum is $400,000 in investable assets, excluding real estate holdings or life insurance cash value. Exceptions may be made for relatives of existing clients, employer-sponsored plans (e.g., 401(k)s), or situations where we believe a long-term advisory relationship would be mutually beneficial.

Our clients are usually individuals and families looking for professional guidance with their investments, pensions, and financial protection.
Many come to us because they want independent financial advice, a clear plan for the future, and ongoing support to help them make confident financial decisions. We work with clients at different stages of life — from those building their wealth to those planning for retirement — and tailor our advice to their personal goals and circumstances.

For most investment and pension advice, we charge a transparent advice fee that is agreed with you before any work begins. For certain insurance and protection policies, we may receive commission from the provider if you proceed with a recommendation. This commission is built into the cost of the policy and means you usually do not pay a separate advice fee for arranging the protection.

Our fees depend on the type of advice and service you require. Initial advice may be charged either on an hourly basis or as a percentage of the amount invested, depending on the complexity of the work involved. We will always explain and agree any fees with you before we begin.
If you choose to receive ongoing support, there may also be an ongoing adviser charge which covers regular reviews, updates, and continued access to your adviser.

It begins with a no-pressure, no-cost conversation to discuss your goals and questions. If we both agree it’s a good fit, we’ll begin a planning process tailored to your circumstances.

Yes. We serve clients nationwide using secure virtual meetings, digital tools, and personalized communication.

We offer proactive reviews (typically annually or semi-annually) and provide updates as needed. You’ll always have access to your advisory team for questions or changes in your situation.

We combine financial expertise with a client-centered approach. Our advice is relationship-driven, built on trust, and designed to adapt as your life changes.