For most clients, no. Our fee is a flat annual amount based on your earned income and net worth — not a percentage of assets under management (AUM).

For clients with net worth above $10 million, our fee considers two components: your investable assets and the rest of your net worth. Your fee is then structured in fixed bands and phased in gradually over two years when it changes, so it doesn't drift upward with day-to-day market movements the way a traditional AUM fee does.

According to a 2024 Kitces Research report, 92% of financial advisors still charge based on AUM (most commonly 1%) — meaning most advisors' fees grow automatically as your portfolio grows, regardless of the complexity of advice you need or the work they do on your behalf.

We believe our model is more transparent and aligned with your interests. Whether we recommend investing aggressively, paying off your mortgage, exercising options, or holding cash, our compensation doesn't shift based on the advice. 

For clients below $10 million in net worth, your fee is placed into one of four tiers, based upon your earned income and net worth. For clients above $10 million in net worth, your fee is based upon your investment assets and net worth. 

In both cases, what you pay is set at the start of the year and stays consistent — your fee won't increase mid-year based on savings, changes to net worth, or market fluctuations. Payments are made quarterly with no hidden charges or product commissions.

Fees are re-evaluated once per year. Each tier is intentionally designed with wide ranges to limit how often fee changes occur. If your situation moves you into a new tier, the increase is phased in evenly over two years — no surprises. You will always know exactly where you stand.

Yes, at any time. Our fee is billed quarterly in arrears — meaning you pay for the period after it occurs, not in advance. If you cancel, you'd owe one final prorated fee from the date of your last payment to the date of cancellation. Our intent is always to be a long-term partner, but there's no penalty for leaving.

Financial independence means something different to everyone — and that's exactly the point. For some clients it means stopping work entirely. For others it means downshifting to something that pays less but matters more, taking a sabbatical, starting a business, or simply knowing they could walk away if they chose to. We don't assume the goal is to stop working. We help you define what financial independence means for you — then build an integrated strategy around your income, equity compensation, tax planning, investments, and major life decisions to get there.

This is one of the most important questions we work through with every client. "Enough" isn't just a number — it's shaped by your values, your identity, your relationship with money, and what you actually want your life to look like. We start every client relationship by helping you articulate a clear financial vision, then work backwards to understand what your number needs to be to support that life. From there we build a plan designed around that answer — not a generic retirement calculator.

We work with clients across all major forms of equity compensation — Restricted Stock Units (RSUs), Incentive Stock Options (ISOs), Non-Qualified Stock Options (NSOs), and Employee Stock Purchase Plans (ESPP). Each has different tax treatment, vesting schedules, and planning considerations. We help you understand what you have, how it fits into your overall financial picture, and how to make strategic decisions around timing, diversification, and tax optimization.

A Certified Financial Therapist (CFT-I™) is a professional trained at the intersection of financial planning and human behavior. Our CFT-I™ isn't providing therapy to our clients — rather, they serve as a thinking partner for the conversations that sit at the intersection of money and life. Major career transitions, liquidity events, business decisions, lifestyle trade-offs — these decisions carry real emotional weight, and having someone who understands both the financial and human dimensions of those moments makes a meaningful difference.

We've found that the most important financial decisions our clients face aren't purely technical — they're deeply personal. Our CFT-I™ helps co-facilitate those heavier conversations, unpack what's driving a decision, and create space for clients to think through complex choices with more clarity and less noise. It's one of the things that genuinely sets our planning process apart.

Some people can and do manage their finances well independently. But as income grows, equity compensation adds complexity, and major life decisions compound — the cost of mistakes rises significantly and the time required to stay on top of everything increases considerably. Our clients typically find the value isn't just financial — it's the time reclaimed, mental energy saved, the stress removed, and the confidence that comes from having a strategic partner who knows their full financial picture and is proactively looking around corners for them.

We work with high-income professionals who have built significant income and wealth — but find themselves asking "when does it actually become enough?" They're done with the default earn-more path and want clarity around what financial independence actually looks like for them on their own terms. They typically have equity compensation requiring careful coordination, business ownership with income variability and tax complexity, or $2M+ in net worth — and want an integrated strategy that coordinates all of it around what matters most to them.

We don't have investment asset minimums because we don't charge based solely on investment assets. Our fee is based on your earned income and net worth. We work with high-income professionals with $400k+ household income who have equity compensation, own a business, and/or have a net worth greater than $2 million. If that doesn't sound like you, we're happy to refer you to alternatives that may be a better fit

No — we're a fully virtual firm and work with clients across the country over Zoom. We have clients in more than 20 states, with the highest amount in Rhode Island, Massachusetts, New Hampshire, California, New York and Virginia.