Wealth Management, Planning and Investing for Huntsville

We answer questions like:

  • How can I reduce taxes?

  • Am I invested in the “right things”?

  • How should I plan for the future?

  • How do I empower my family to be wealth stewards?

 As Quoted In:

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.

Every new client starts with a series of financial planning workshops. Prior to each session, we work with you to clearly define the specific financial planning topics to be addressed in the workshop. Then, we all roll up our sleeves and begin working together to craft your financial plan. We charge $750 for each workshop. Depending on your situation, we may need 2-4 workshops to develop a full financial plan. After your first workshop, we offer two options for long-term relationships:

  1. Proactive Planning and Investing: 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 to our team. For our full-service approach, we change a flat percentage of the assets we manage on your behalf. For example, if we manage $1,000,000, you will pay 0.90% or $9,000 annually. Fees are billed monthly. See the full fee schedule below.
  2. Reactive Planning Workshops: You manage your own investments based on the plan we develop in your workshop. When you need to make significant plan updates or have detailed financial questions, we schedule a workshop to address your needs. We charge $750 for each workshop.

Proactive Planning and Investing Fee Schedule:
On the 1st $499,999 - 1.50%
Between $500,000 - $999,999 - 1.0%
Between $1,000,000 - $2,999,999 - 0.90%
Between $3,000,000 - $9,999,999 - 0.75%
Greater than $10,000,000 - 0.50%

Tax Preperation:
For clients with managed assets, the first $600 of your tax prepration fees are covered from your investment management fees. Total tax prep fees start at $1,050 after our credit.

+ 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.