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We work for you--not for a Wall Street bank or brokerage. No commissions, no conflicts of interest,
no corporate hidden agendas.
We do not sell, promote or receive compensation from investment products. We usually recommend low cost instruments
like ETFs, no-load index funds, and individual bonds to build a diversified portfolio designed
exclusively for you.
Fee-only means that we charge a low fee for advice and management, and do not charge any commissions. 1% annually (.25% per quarter)
for portfolios of $100,000 to $1,000,000, and 0.9% for amounts above that level.
We have a fiduciary responsibility to act in your best interest. Brokers and insurance agents do not.
This is the main difference between registered investment advisors (RIAs) and non-fiduciary advice of brokers and insurance agents.
Simply put, our registration with the SEC holds us to a higher standard.
Charles Schwab & Co., Inc. has been selected as the primary custodian for our clients. They hold the accounts, we
manage the portfolios. Other low-cost custodians are also available.
 
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