Frequently Asked Questions

Our portfolio management services are designed to capture greater upside with less downside. You will also benefit from our range of products, none of which carry commissions. We don't get paid to sell you products that aren't good for you. We suggest what makes the most sense, not what pays us the most money.

Yes. You will have 24/7 access to your account via two-factor authenticated secure login. You will also receive monthly itemized statements so you can see how your portfolio is doing at any given time.

We do not (and will not ever) have cash management functionality, meaning we cannot withdraw money from your account, ever. Only you and any designated other persons/parties (accountants, lawyers, etc.) will have withdrawal access. 

We do have fee billing privileges, meaning once you agree to the fee structure, fees will be debited from your account automatically (not manually by us) on a monthly basis.

We don't carry a minimum, but because we keep fees to a minimum and make ourselves extremely available to our clients, we suggest a minimum of $100,000.

We charge an annualized flat fee of 1% of Assets Under Management (AUM). Fees are accrued and billed monthly. For example, for a $250,000 account, we will charge $2,500 annually, and would bill approximately $208 per month.

For heavily managed accounts that fall outside the structure of our traditional asset management models, we charge 2% AUM fee (similar to above) and a performance-based fee of 10% on all gains, billed quarterly. For example, if the account earns a return of $10,000, we would charge $1,000 toward those gains. Please note that this is NOT a 10% fee on the account balance, but the gains only. This creates an incentive for us to find the best risk/reward profile for you while staying within your risk parameters. 

Performance fees may be waived partially or fully at our sole discretion.

In short, yes. An IRA can easily be transferred to our custodian (Interactive Brokers, LLC) with a simple form, which we will pre-fill for you at your request. Other vehicles (401(k), etc.) can typically be converted or transferred without issue. Please contact us to ensure we can help.

Your money is held by Interactive Brokers, LLC, one of the more conservative custodians available. You can read about their policies and safeguards here.

Our portfolio management services are safer than the plans into which most asset managers will place you. Rather than excessive exposure to volatile equity markets to find returns, we prefer to use more conservative markets and use yield tools to enhance returns. We aim for similar returns with less risk or excess returns with similar risk. Controlling risk is the number one factor in determining long term gains.

No. We are a digital-only firm. Our records are digital, our systems are digital, and our offices are remote, allowing our teams to work from the comfort of their homes. We believe this leads to happier team members and a better work-life balance. It also allows us to cut fees and run a debt-free business since we have very little overhead.

We understand it may be a concern to some that we do not have a brick-and-mortar location to visit. Please remember that this doesn't mean we don't have real humans to help you. We answer the phone, and we are happy to video-conference with you at any time. Looking an asset manager in the eyes to gauge whether someone should be trusted is an important part of human instinct, and we understand that.

Yes. Our firm is registered with FINRA. You can find us on FINRA's broker check website here. Our firm's CRD# is 6840541

The first step is to let us know you are interested. You may book a 15 minute phone call with us using this link. While you're waiting for your phone call, you can fill out our investor questionnaire to help us get a better picture of risk tolerance and flesh out your account preferences. This will help with the initial phone call as well.