Firm and Service Related

Do you provide wealth management services?

Yes, we offer wealth management services at an additional hourly rate of $150.

Do you provide your clients with customized portfolios?

Yes, we provide our clients with customized portfolios if none of the model portfolios suits their needs.

How do you meet with your out of town clients?

If necessary, we will schedule a meeting to go meet with the client. Clients are also welcome to come visit our office.

Are you a DFA approved advisor?

Yes, we have been a DFA approved advisor since 2006.

Do you offer your asset management services to 401K plans?

Yes, we offer asset management services to 401K plans. Please contact us for more details.

Safety of Assets

Where will my assets be held?

Client assets will be held at the brokerage firm of his or her choice, such as Charles Schwab & Co, Inc., Fidelity Institutional Wealth Services, or TD Ameritrade.

Do I have access to my account once under your advisory?

Yes, you may access your account via online. This service is provided to you through the custodians, Charles Schwab & Co., Inc, Fidelity Institutional, and TD Ameritrade.

What if I am dissatisfied with your services?

If you are dissatisfied at any point with our services, you may de-link as your advisor at any time, and you will not be charged for the remainder of the year.

Fees and Costs

What is your Annual Advisory Fee?

Our Annual Advisory Fee ranges between $1,000 and $5,000.

Do you charge the fee monthly, quarterly, or annually?

The fee is charged at the end of each quarter. It is prorated on a monthly basis.

Are the transaction costs included in the annual fee?

No, the transaction fees charged by the custodians are in addition to the annual fee.

What other services do I receive with the flat fee?

We provide quarterly performance reports, portfolio monitoring, basic portfolio rebalancing, account alerts, semi-annual teleconferences, and secure internet account access.

May I household my accounts?

Yes, you may household accounts.

Do you receive any kick-backs for using Charles Schwab & Co., Inc., Fidelity Institutional Wealth Services, or TD Ameritrade?

No, we are not compensated by our broker/dealers. We are compensated strictly through management fees charged to our clients.


What is your portfolio methodology?

We apply a passive investment strategy utilizing traditional and enhanced index funds.

How do you determine the benchmark index?

It will be determined by using broad indices, such as S&P 500, Russell 1000, Russell 2000, and etc. Allocations of each index will depend on the model folio chosen.