Frequently Asked
Questions

Clear and sensible flat fee. Our pricing is simple and makes sense. Our fees do not depend on how much money you have.

Focus on retirement planning. We specialize in reducing uncertainty and complexity so that you can enjoy your retirement. We focus on the areas that are most important to you:

• Making sound financial decisions in retirement
• Protecting hard-earned savings and investments
• Minimizing tax headaches

Limited number of clients. Having fewer clients allows for higher quality service and focused attention to your needs.

Yes, we are a fiduciary. You can find a copy of our fiduciary pledge here.

Matthew Jenkins has over 15 years in the financial services industry. Matthew has also earned multiple industry credentials and continues to hone his skills through continuing education.

No. We hope to create lifelong relationships with our clients, but understand that circumstances can change. Our clients are free to leave at any time and we will gladly assist with any account transfers.

No. We are happy to work with any client under our pricing structure. However, our fees may not be cost competitive for clients with portfolio assets less than $500,000.

As evidence-based investors, we encourage clients to use low-cost index funds from a variety of providers including Vanguard, Blackrock, Schwab, and Dimensional Funds.

No. As a fee-only advisor, our only source of compensation is client advisory fees. We don’t earn any commissions or hidden fees from any investment or insurance product providers.

We advise all of our clients to use Charles Schwab for custodial and brokerage services. However, we are capable of working with a variety of custodians to suit particular client requirements.

No. We don’t employ any market timing or tactical asset allocation methods.

However, we may encourage clients to take advantage of market fluctuations through the use of prudent investment rebalancing or Roth IRA conversions.

No, we do not prepare tax returns or estate planning documents. We encourage all clients to use a “team of experts” approach to their financial success. We are excited to act as a concierge for all of your financial questions and are willing to collaborate with the other experts on your team.

No, we seek to meet clients where they are. We collaborate with all clients to manage legacy investment holdings using prudent risk management and tax efficiency. We are cognizant of the fact that a variety of factors (e.g. embedded capital gains) can influence portfolio management decisions.

Yes. We have extensive experience helping clients manage their cash flow needs through the use of short-term lending facilities.