Why are you making this change?
Launching an independent RIA allows us to fully control our investment philosophy, client experience, and long-term vision. This move positions the firm for thoughtful growth while strengthening our ability to serve clients. Independence allows us to design portfolios internally, implement new planning solutions, grow our team strategically, and continue building a firm focused on long-term client success.
Will my advisory relationship change?
No. You will continue working with the same team and receiving the same planning guidance and investment oversight.
What does “fee-only” mean?
Fee-only advisors are compensated directly by clients rather than through commissions or product incentives. This structure helps ensure advice is aligned solely with client goals.
Will my investments or strategy change?
Your portfolio will continue to be managed according to your long-term plan. Over time, we may refine portfolio models to enhance outcomes and align with our independent investment philosophy.
Where will my accounts be held now?
Your accounts will be held in your name at Charles Schwab, an independent custodian. Schwab is responsible for safeguarding assets, executing trades, processing money movements, and providing account statements.
Is there any cost to me?
No. There are no additional fees for moving your accounts to Schwab. Transfer or termination fees associated with this transition will be reimbursed. Our goal is to make the move seamless, transparent, and cost free to you.
Who is Charles Schwab?
Charles Schwab is one of the largest financial institutions in the United States. As of December 2025, Schwab safeguards more than $11.8 trillion in client assets across approximately 44 million investment accounts and 2 million banking accounts. Its scale, longevity, and financial strength support institutional-grade security, technology, and oversight.
Accounts held at Schwab are protected by:
- SIPC coverage up to $500,000, including $250,000 for cash balances
- Additional excess insurance beyond SIPC limits (Schwab carries significant aggregate excess coverage)
