Frequently Asked Questions

Below are some of the most common questions we receive about what we do, who we serve, and how we help clients.  We’d welcome the chance to connect with you and start a conversation about what’s important to you.

Our Client Experience Page provides a good overview of the services we provide. If we decide we’re a good fit for each other we schedule a working meeting to understand your goals, worries, and finances together. We also introduce you to some of the tools we use to share information with clients help you stay updated on your portfolio. To complete your plan we’ll ask you for information such as statements of your investment accounts, tax returns, estate planning documents, and social security statements. We utilize a secure vault to share documents to help protect your information and cybersecurity.

After we have your financial information we’ll begin working on your financial plan and your portfolio management. This helps us understand your long-term financial future and identify any urgent risks or threats we should address. We work with you to prioritize what steps to take to move you forward. For example, we may decide that creating an estate plan is an appropriate next step or replacing an old insurance policy.

As we prepare your financial plan we’ll review it with you and make adjustments. We’ll also propose an investment strategy for your portfolio. When you are comfortable we’ll implement your investment plan and continue working on your outstanding financial planning items. We’ll contact you throughout the year to update you on your portfolio, our work on your behalf, and planning items that we should address. We normally meet with clients in-person or virtually two to four times a year with phone conversations in-between those meetings. When helpful we’ll also schedule joint discussions with your other advisors such as your CPA or attorney.

We serve clients in the Greenwood Village, the Denver Area, and clients across the country. We’re happy to meet in person and also work with clients virtually. Our tools allow us to share and receive information securely, host phone calls or video calls when convenient, and work collaboratively with clients using screen-sharing technology.

We take the security of our client’s information seriously. We ask clients to use an online document vault to upload documents to us securely instead of email. They can also fax us documents if that is easier. We also upload documents to the vault and use encrypted email to send information to clients securely.

We work with three types of clients: Affluent individuals, businesses and retirement plan sponsors, and endowments and foundations. You can find out more our clients here.

Yes, we have a minimum of $750,000 of investment assets that we manage for us to provide financial planning and investment management. We can provide financial planning as a stand-alone service for a flat fee. These engagements begin at $2,500 and go up in cost based on the complexity and needs of the client.

We help clients protect and grow their assets through financial planning and investment management.  People who are not a good fit include:

• Those who want to plan and invest themselves

• Those who struggle to share information in a timely manner or follow-up on tasks they agreed to

• Those who don’t value financial planning and instead focus on short-term investment performance

• Those who are looking for short-term investment ideas or trading strategies

• Those who are not respectful or kind to others

We are a registered Investment Advisory company and do not take possession of client funds. We’ve partnered with Fidelity Investments as our custodian. We open accounts for clients at Fidelity and Fidelity accepts deposits and funds, allows clients to track their accounts online, tracks all investments, processes disbursements, and prepares account statements. This helps protect your funds from fraud or unauthorized access.

We are a registered investment advisory firm and regulated by State Regulators in the states in which we are registered.  Our primary registration is with the Colorado State Division of Securities.  You can download our regulatory document here.

We are a fee-only advisor.  This means we charge our clients fees and do not receive any commissions, third-party revenue sharing, or financial incentives.  We charge a small percentage based on the assets we manage or a flat fee to provide financial planning services. 

Yes, our online tools allow you to monitor your investment accounts on a daily basis for transactions, market values, and transactions. In addition clients can monitor their accounts through Fidelity’s website.

Yes, our advisors have frequently been quoted in many leading news outlets. You can read more here.