Transparent Pricing. No Surprises. No Hidden Fees.
You should know exactly what you're paying and exactly what you're getting , before we start working together. Here's how it works.
Step One
Complimentary Introductory Call
A Conversation , Not a Sales Pitch
This is where we get to know each other. You'll meet with one of our advisors, who will ask about your situation, your goals, and what you're looking for in an advisory relationship. We'll explain how we can help , in plain English, with no jargon , and answer any questions you have.
If we're a good fit, we'll send you a proposal with a clear quote based on your specific situation. If we're not the right firm for you, we'll tell you that too.
No pressure. No sales pitch. Just a conversation.
Step Two
Building Your Foundation
Your Comprehensive Financial Plan
This is where we build the foundation. Your financial plan is a tailored roadmap that addresses every aspect of your financial life , investments, taxes, retirement income, risk management, and beyond.
We don't hand you a generic template. We dig into your specific situation, stress-test your plan against real tax scenarios, and make sure every recommendation is coordinated. You'll walk away with complete clarity on where you stand, what to do next, and why , with no question left unanswered.
Most plans require 4–6 hours of work, though this can vary based on complexity. We'll give you an accurate estimate on the introductory call so you know exactly what to expect.
If you decide to move forward with wealth management (Step 3), your planning fees are credited toward your management fee.
Step Three
Ongoing Wealth Management
Your Plan, Put Into Action
This is where your financial plan comes to life. We implement your strategy, manage your investments, and provide ongoing coordination between your financial plan, your portfolio, and your taxes , all year, every year.
This is also where SCM’s integrated model delivers the most value. Your investments are managed with your tax return in mind. Your tax plan is updated when your portfolio changes. And your financial plan evolves alongside both , because the same team handles all three.
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Investment management is billed as a transparent percentage of assets under management:
Up to $5,000,000: 1.00%
$5,000,001 – $10,000,000: 0.90%
Above $10,000,000: 0.80%
Standalone consulting is available on a limited basis when a full portfolio relationship is not required.
Custody at Charles Schwab. Assets stay in your name. I don’t take custody.