What does "Fee-Only" mean?

Fee-Only means that we are compensated solely by the fees paid by our clients. This eliminates potential conflicts of interest that could arise from commissions or other forms of compensation from third parties, such as financial product providers.

What are the benefits of working with a Fee-Only advisor?

Working with a Fee-Only advisor offers several benefits, including:

• Fiduciary duty: Fee-Only advisors are held to a fiduciary standard, meaning they are legally obligated to act in their clients' best interests at all times.

• Transparency: Clients know exactly how their advisor is compensated, promoting trust and transparency in the advisor-client relationship.

• Conflict-free advice: Fee-Only advisors do not receive commissions or other incentives for recommending specific financial products, ensuring unbiased advice that aligns with the client's goals and objectives.

What services does your firm offer?

We specialize in comprehensive financial planning, including retirement planning, investment planning, and divorce planning. Our services encompass various aspects of financial management, including retirement, investment, tax, education, and estate planning.

What is comprehensive financial planning?

Comprehensive financial planning involves a holistic approach to managing your finances. It considers various aspects of your financial life, including your goals, income, expenses, assets, liabilities, and risk tolerance. Through comprehensive planning, we create personalized strategies to help you achieve your financial objectives.

What are Asset Based Fees?

Asset Based Fees are fees charged as a percentage of the assets we manage on your behalf. This fee structure aligns our interests with yours, as our compensation grows when your assets grow.

How do Hourly Fees work?

Hourly Fees are charged based on the amount of time spent on providing financial advisory services. This fee structure is suitable for clients who prefer a pay-as-you-go approach or have specific financial planning needs.

How are fees determined?

Our fees are determined based on the complexity of your financial situation, the services provided, and the fee structure you choose (Asset Based or Hourly Fees). We believe in transparent pricing and will discuss fees with you upfront before engaging our services.

How do I know if your firm is right for me?

We understand that choosing a financial advisor is a significant decision. We encourage you to schedule an initial consultation with us, where we can discuss your financial goals, concerns, and how our services can benefit you. During this meeting, you'll have the opportunity to ask questions and determine if our firm is the right fit for your needs.

Are you a fiduciary?

Yes, as a Registered Investment Advisor (RIA) firm, we are fiduciaries. This means we are legally obligated to act in our clients' best interests at all times and to provide advice that is in their best interest.

Do you work with clients outside of Vermont?

Yes, we work with clients both locally in Vermont and across the country. Through virtual meetings and communication channels, we are able to provide our services to clients regardless of their location.

How do I get started?

To get started, simply contact us to schedule an initial consultation. During this meeting, we'll discuss your financial goals and needs, explain our services in more detail, and determine the best course of action for your financial future.