Yes, I offer a complimentary initial consultation. This meeting gives us both the opportunity to get to know each other and determine if we’re a good fit. During this consultation, we’ll discuss your financial goals, current situation, and how my services might benefit you. It’s also a great time for you to ask any questions you have about my firm and approach to financial planning.

My typical clients are affiliated with the military, federal government or teachers. My clients seek hourly financial advice and are comfortable self-implementing a well-thought-out action plan.

As a fee-only financial advisor, my pricing structure is transparent and straightforward.

For financial and tax planning services: I charge an hourly rate, depending on the complexity of your situation.

For tax preparation services: I have a base fee for individuals, families and sole proprietors. There may be additional form fees depending on the complexity of your situation.

I will provide an estimation of my fees during our initial consultation, ensuring you have a clear understanding of the costs associated with my services before making any commitments.

No. I am what is called an advice only planner. I provide guidance and support for your investments without managing your assets.

Advice-only financial planning is for people who would like to work with an objective financial advisor without paying for investment management services or experiencing the pressure of purchasing insurance products. It can be ideal for someone wanting a greater understanding of their finances while retaining full control over their money.

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In our first meeting, which is typically the free initial consultation, you can expect the following:​

• A discussion about your financial goals and current situation

• An overview of my services and how I might be able to help you

• An explanation of my fee structure and working process

• Answers to any questions you have about my firm or financial planning in general

This meeting is about getting to know each other and determining if we’re a good fit. There’s no obligation to proceed with my services after this meeting. I encourage you to bring any questions you have to make the most of our time together.

The frequency of our meetings depends on your individual needs and preferences, but here’s a general outline:

For Tax Preparation: In addition to the introductory meeting, we will meet one time after I complete your tax return to review your return and discuss potential strategies for the next tax year.

For Hourly Services: In addition to the introductory meeting, we will meet a minimum of two times per project.

Remember, these are general guidelines. I am flexible and can adjust the meeting frequency based on your specific needs and preferences.

You will have access to a secure client portal where you can view your accounts, important documents, financial plans and/or tax returns​.

I am available to answer any questions you might have about your accounts or financial situation during our engagement.

As part of a comprehensive approach to financial planning, I often collaborate with other professionals such as accountants, estate planning attorneys, and insurance specialists. When I make referrals:

• I recommend professionals based on their expertise, reputation, and how well they align with your specific needs

• I don’t receive any compensation for these referrals, ensuring my recommendations are unbiased

• You’re always free to choose your own professionals if you prefer

My goal is to assemble a team of experts who can address all aspects of your financial life effectively.