^FAQsFrequently Asked Questions.

We don't lead with minimums. We lead with fit. Every engagement starts with a conversation about your situation, your goals, and whether the depth of planning we offer aligns with what you need. For those still building their foundation, flat-fee planning is often the right first step — well before it's time to open additional retirement accounts.

Yes. Same team. Same standard. The plan looks different because your life is different — not because the care is different.

Every engagement is priced around what fits your situation, not a one-size-fits-all schedule. The majority of our clients work with us on an ongoing AUM basis, while flat-fee planning is available where that's the better structure. Certain brokerage accounts are compensated through commissions. Whichever structure fits, all fees and compensation are disclosed in writing before we begin.

Sometimes. We do offer second-opinion diagnostic engagements — written findings, no obligation. If your current advisor is the right fit, we’ll tell you. If they’re not, you’ll know.

Most situations look simple from the outside and become more interesting once we look at the tax return, the beneficiary forms, and the actual documents. Simple is fine. We bring the same rigor either way.

We have a minimum that grows out of the work, not the other way around. Residents and fellows are welcome at flat-fee planning engagements or if they choose to obtain disability insurance through our firm; attendings and practice owners are typically AUM-based. We’ll explain both in plain numbers on the introductory call where we can discuss the suitable solution for you and your situation.

No. Your CPA stays the tax authority. We coordinate planning ideas with them, send memos before meetings, and get on the call when work crosses years or jurisdictions.

A diagnostic engagement is an honest place to start. Written findings, no obligation to continue. About 90% of those engagements become full relationships based on our process; the other 10% leave with a clear written set of recommendations and a handshake.

Yes — the 403(b)/457(b) coordination, eligible 415 limits, and university retiree medical plans are some of the most interesting work we do.

We don’t pretend it’s easy. We do walk you through the math, the documentation discipline, and the refinance trigger points that determine when forgiveness is genuinely worth the discipline.

We have access to an array of carriers but typically offer the top solutions in the disability space for Physicians from Principal, Guardian, Ameritas, The Standard, and MassMutual.

No. We are explicitly designed not to. Your CPA stays the tax authority. Your attorney stays the legal authority. We coordinate, translate, and fill the planning gaps the seams produce.

Because our work is built around depth and long-term relationships, we're selective about who we bring on. Full engagements are reserved for households and business owners whose situations align with the depth of planning we offer, not a dollar amount.

We're licensed in over 20 states. We have meaningful client concentrations in agriculture, professional services, manufacturing, and healthcare — but the work translates wherever the entity is domiciled.

We work together to determine the most suitable solution for you and your current situation.

Yes — and we’d prefer to. The most valuable pre-sale work begins three to five years before the transaction. Twelve months is workable. Six months is mostly damage control.