How do you charge for your services?
Consulting services are billed at our current hourly rate. If you are interested in more extensive financial planning we will provide you with a fee estimate based on the level of service you desire.Investment management services are billed as a percentage of assets under management or a flat fee or a combination of both depending on your situation and needs. We do not receive commissions or any other compensation for referrals or product recommendations.
If I live a long distance away, do I have to come to Napa to utilize your services?
We prefer that you come into the office for the initial meeting so that we can meet in person. However, if that is not practical, it is not required. Thanks to technology, later meetings are easily held over long distances.
What is the difference between fee-only and fee-based advisors?
Fee-only advisors provide unbiased advice without the potential conflict of interest that arises when one is selling products. Fee-based advisors are compensated with a combination of fees from clients and fees from the sale of financial products.