Local Flat Fee Financial Advice Focused on Stewardship.

We can help you:

  • Plan for “retirement” or “making work optional”

  • Reduce taxes

  • Invest intelligently

  • Empower the next generation of your family to manage wealth

As Quoted In:

Considering retirement? Ready to make work optional? Learn how we guide clients through a holistic planning process so they know exactly the steps required to make their vision a reality.

Own several investment accounts from prior jobs? Learn how we help clients evaluate and execute retirement account rollovers.

Entrepreneurs need to plan for their business and personal financial situations. Learn how we serve the holistic needs of business owners.

Challenges with equity compensation? Learn how we integrate tax, planning and investments to reduce taxes and simplify your life.

Organizational investing brings unique challenges. Learn how expertise and experience can help your team build a successful program.

Modern Fiduciary Approach To Wealth Management

We are fiduciaries. That means we are financial advisors that combine a transparent, fee-only structure with simple digital experiences and in-person professional guidance to help clients achieve their goals. Our firm is based in Huntsville, but we work with clients across Alabama, Tennessee and Georgia.

Ready to Engage with Us?

  • In 20-30 minutes, we simply get to know each other. We ask questions to better understand your situation and goals. If you feel our services are a fit for your needs, we schedule a free one-page plan assessment.

  • We gather basic information from you to build a unique assessment of your situation. We deliver a “one-page plan” of recommendations that are yours to keep. We often address key concerns right here! Then we discuss a proposal for a financial planning workshop to fully address your retirement, investing and wealth planning concerns.

  • Ahead of the workshop, we use digital tools to gather information and fully assess your financial situation. We provide professional expertise and guidance to fully address your biggest retirement, investing and wealth management challenges. We create a roadmap to achieve your goals and discuss how to implement your plan moving forward.

 

Frequently Asked Questions
(and answers that no one else puts online)

+ What fees do you charge? Do you sell products?

We are a fiduciary. That means we only get paid by you, for our time, to do the right thing for you and your family. No commissions or compromises.

Proactive Planning and Investing: All relationships start with financial planning workshops. We spend time together understanding you and your goals. Then we build a plan to help you achieve them.

After building your initial plan, we manage your assets and proactively engage with you throughout the year on planning, tax and investing topics. We generally meet formally twice a year, but we may meet more often, and you always have access for things that come up.

We change a flat fee based on your net-worth (excluding your primary residence and/or business valuation). For example, if your net-worth is $1,000,000, you will pay $950 each month. See the full schedule below. No calculator required!

Proactive Planning and Investing Fee Schedule (Based on net-worth):
Less Than $499,999: $400/month
Between $500,000 - $999,999: $650/month
Between $1,000,000 - $1,999,999: $1,000/month
Between $2,000,000 - $4,999,999: $2,000/month
Greater than $5,000,000: $3,000/month

Tax Preperation:
For clients with a net-worth greater than $1,000,000; tax preparation through our partners at McCarthy Tax is included in your monthly planning fee.

Financial Planning Workshop Only: For clients looking for one-time or infrequent planning sessions, we charge $1,500 per workshop session. A comprehensive financial plan generally involves 2-3 workshop sessions. During our meetings, we will clearly outline pricing and deliverables for each session ahead of time.

+ What’s involved in a financial planning workshop?

We call them "workshops" because we work collaboratively with our clients. You bring your challenges and ambitions, and we bring our expertise and experience. Prior to the session, we set specific objectives and collect information about your assets and current financial situation using our digital tools. In our workshop, we will work together to build a plan to achieve your goals. That goal could be financial freedom, wealth transfer, college planning, starting a business, charitable giving, or anything else. We will provide a detailed document and recommendations that you can choose to implement.

+ Will you help with financial planning without managing my assets?

Absolutely. We will help you understand your long-term financial and investment needs and we can circle back on a regular basis to update the plan if you desire.

+ Do you have an asset minimum?

No and we never will. Every family's journey to generational wealth starts somewhere. Often financial planning workshops are a great starting point. As your situation becomes more complex, our fee structure ensures that we can leverage the right resources and expertise for you and your family.

+ What if I have a financial advisor or broker?

If you are uncomfortable or questioning your current financial situation, it never hurts to ask for a second opinion. Everyone does this for medical questions, why not for the most important financial questions? If you have a great advisor and plan, we’ll congratulate you and tell you so. If we see opportunities to improve, we will share those and you can decide what makes most sense for your situation. No pressure.

+ Do you work with people like me?

Everyone needs a personalized, unique plan. We have worked with a range of individuals and families from professionals to business owners, from artists to engineers, from just starting out to grandparents.

+ What if I’m not satisfied?

If you don’t feel like we earned our fee in your financial planning workshop, don’t pay.