We provide peace of mind through personalized financial planning and comprehensive asset management. By establishing long-term relationships with our clients, we help plan for what’s ahead.
Our Philosophy
Our Investment Philosophy
Let’s be blunt: the conventional predictive approach has failed investors. We cannot predict the future, but we console ourselves with the fact that neither can anyone else.
Our investment philosophy is to increase returns by controlling what we can: risks, costs, taxes, and behavior.
Why We're Here
The investment industry has taken advantage of investors far too long. Our mission is to provide clarity, integrity, and exceptional value.
As of November 1, 2025
Financial Plan
By The Numbers
We establish long-term relationships with our clients to manage their wealth with a focus on reducing conflicts of interest, containing their costs, and providing total transparency.
We deliver world-class financial advice, behavioral coaching and education. This is of great value to our clients in terms of financial success and standard of living. Perhaps of even greater importance is the peace of mind that a simple, elegant financial plan provides.
Years of industry experience
households served
assets under management
investment philosophy
Business Model
We are Fee-Only Fiduciaries
A fiduciary is legally required to put your interests first.
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No sales of financial products.
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No split loyalties.
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No nonsense.
Scope of Advice
We are Comprehensive
A comprehensive advisory firm does not focus strictly on investments.
Instead, all areas of your financial life are brought together to work in concert for your benefit.
Help Center
Have a question?
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Quick answers to questions we often hear. Don't see what you're looking for? Get in touch!
Each client we work with receives the full value of Financial Plan, including a completely customized and integrated plan and dedicated advisory and operations team. These teams work within your plan to ensure all elements remain on track throughout the year. All plans and relationships are managed discretely and thoroughly, encompassing tax-efficiencies, wealth transfer strategies, and philanthropic guidance. None of our advisors earn commissions or are otherwise incentivized to make specific recommendations. Our success is based on the success of our clients.
Because of the breadth and depth of services we provide and our desire to optimally serve each client, Financial Plan works exclusively with families and individuals with $1M+ in investible assets.
Due to the breadth and depth of service we provide, our minimum advisory expense is $2,500 per quarter, which includes management of the first $1Mil of investable assets. Above $1Mil, our expense is based on a cumulative, tiered schedule that gradually reduces as the amount of managed assets increases. We are proud that our fees are reflective of the tremendous value we bring to our clients while still remaining below industry standard. Advisory expenses are assessed quarterly and come directly out of the accounts we manage.
| Assets Under Advisement | Quarterly Advisory Expense |
|---|---|
| Financial Plan Retainer | $2,500, includes the first $1M under management |
| On the next $1 Million to $2 Million | 0.20% of assets under management |
| On the next $2 Million to $3 Million | 0.15% of assets under management |
| On the next $3 Million to $4 Million | 0.10% of assets under management |
| On the next $4 Million to $10 Million | 0.05% of assets under management |
| Over $10 Million | 0.025% of assets under management |
Absolutely. We take a comprehensive approach to your finances, operating as your dedicated CFO. As such, we often work alongside other professionals to ensure all elements of your plan (estate, taxes, etc.) are working together to achieve your goals.
We adhere to strict confidentiality protocols and are committed to safeguarding all client information. Our full privacy policies can be found on our disclosures page.
Let's Connect
We’re here to help
Put simply, we worry about your finances so you don’t have to.
James B. Twining, CFP®
Founder & CEO