Advisor Compensation

Straightforward and transparent information on how we are compensated.

Standard Compensation Models*

Fee Only

Fee-only advisors are paid directly by clients through flat fees, hourly rates, or a percentage of assets managed. They don’t earn commissions, providing advice based solely on your financial goals. While great for transparency, fee-only advisors may not always offer a comprehensive range of products, like insurance, which are essential for holistic planning.

Fee-Based

Fee-based advisors provide a hybrid approach, combining fees for planning with commissions on products like insurance. This model allows them to offer holistic financial guidance, addressing both investments and risk management needs. By blending personalized advice with access to important financial products, fee-based advisors are well-positioned to provide comprehensive solutions tailored to your life.

Commission-Based

Commission-based advisors earn income through product sales, such as insurance or investments. This model works well for those seeking specific products, but it’s important to note that the advice may be influenced by sales incentives, and might not always align with a client’s broader financial goals.

Why We Chose Fee-Based Planning.

Holistic Planning with Flexibility: Balancing Growth and Protection

We’ve chosen to organize ourselves as fee-based planners because it allows us to offer truly comprehensive, full-service financial planning. Being fee-based means we can provide not just investment advice, but also incorporate essential risk management strategies, including insurance-based products. We believe that to create a holistic financial plan, it’s crucial to address both wealth-building and risk mitigation—areas where insurance plays a critical role. Our deep understanding of insurance products and their various riders allows us to ensure that the solutions we recommend fit seamlessly into your overall strategy.

By working with an independent insurance brokerage agency, we are not tied to any one company or product. This gives us the freedom to shop the market for the best insurance options, ensuring you get solutions that align with your unique needs.