• How does the onboarding process work?


    • We will send you a DocuSign of the Investment Advisory Agreement, which goes over the scope of our relationship, fees, assets you would like to have managed, and more.
    • After executing the Investment Advisory Agreement, Schwab will either send you a link to an online portal to create your Schwab account, or we will send you the required forms on DocuSign in special circumstances (for example, if you are opening up an account for an LLC).
    • The account opening process typically takes 1-2 business days, but may take longer depending on the situation.
  • How does account funding work?


    • You may fund your account by setting up an ACH link with an outside bank account, a direct wire into the account, depositing a check on the account on your end, sending us a check to deposit on your behalf, or internally transferring cash from one Schwab Account to the Managed Account.
    • We prefer that you set up an ACH link with an outside bank account as it allows for easier funding in and out of the Managed Account once established.
    • Clients have the option to fill out their bank information on the online portal per the account opening process. Should you want to fund your account with the other methods described above, please let us know and we will assist.
  • Fees


    Please review our Disclosure Brochure’s section on Fees & Compensation, starting on page 5 

    • How are fees calculated?
      • We offer services for a fee based upon assets under management. This management fee varies in accordance with the following fee schedule:




    Up to $1,000,000



    $1,000,001 - $2,000,000



    Above $2,000,000




    • The above fee schedule is based on hard break points. For example, a client with assets under management by the Firm of $1,200,000 will pay 0.75% annually, or 0.1875% quarterly on all of the assets.
    • The annual fee is prorated and charged quarterly, in arrears, based upon the market value of the assets managed by us on the last day of the quarter
    • For the initial period of an engagement, the fee is calculated on a pro-rata basis as we start to manage the assets.
    • In the event that the advisory agreement is terminated, the fee for the final billing period is prorated through the effective date of the termination and the outstanding portion of the fee is charged
    • Clients can negotiate a lesser fee; we may, in our sole discretion, agree to charge a lesser fee. 
  • How are fees paid?

    • Clients provide us with the authority to directly debit their managed accounts for payment of the investment advisory fees
    • Clients may elect to pay via other methods such as a check in lieu of direct fee debit; please reach out to us if this is the case
  • How are account withdrawals and additions treated?

    • Clients can make additions to and withdrawals from their account at any time, subject to our right to terminate an account. Additions can be in cash or securities provided that the Firm reserves the right to liquidate any transferred securities or declines to accept particular securities into a client’s account. 
    • Clients can withdraw account assets on notice to us, subject to the usual and customary securities settlement procedures. We may consult with clients about the options and implications of transferring securities upon client request. Clients are advised that when transferred securities are liquidated, they may be subject to transaction fees, short-term redemption fees, and/or tax ramifications.