Do I need to have a minimum amount of money to work with you?

No. CapitalWe doesn’t have any set “minimums” for the clients we serve. Instead, we think it’s more important to focus on your financial goals and values to determine if we’re a good fit.

Why should I work with a Financial Planner?

Finances are a topic we don't openly talk about as it is one of the most emotional conversations we can have. It is good to have an objective voice like a Financial Planner with whom you can have these conversations and be able to identify the strengths and weakness of your current and ongoing financial situation (along with how to remedy it). You don't need to take our word for it, read what the New York Times had to say. High-quality financial advice is typically worth way more than it costs, not to mention the peace of mind it brings.

Your fees are too high

Our financial planning fees are industry standard at 1% AUM. 
Our financial planning fee structure (1% of Income+0.5% of Net Worth) is designed with making financial advice more accessible to everyone, without a minimum amount of wealth needed to qualify, and covers all aspects of finances such as budgeting, cash flow, investing, insurance and customized planning for any other goals you may have. Having a financial planner pays for itself over the long term.

I don't need an advisor, I can do this myself!

Yes, you can! There are so many great tools for those people who want to handle their own investing and financial planning.

What we’ve found though, is that many people have a tough time implementing their plan consistently.

While they may be able to research a great fund, or do their own taxes, the key is bringing all the pieces of your financial life together: Taxes, Insurance, Employee benefits, Investments, Cash flow, Retirement planning, Estate planning, Credit reports, and so much more.

Whether clients are raising children or planning retirement, that’s where real financial security and wealth creation happens, a few small but strategic steps over and over again, over many years.

The reason our clients choose to work with us is because there is a lot to learn. And the cost of making a mistake is high. What if you didn’t save enough to cover for inflation before and during retirement? How do you know if you’re really saving enough? Or if you’ve saved enough? Should you work another year? Or more?

What if you pay off your mortgage at retirement with your 401k and you end up running out of money and you have to sell your house anyways? When is the right time to sell during a market correction? Or is there a right time? When should I take social security? When should I downsize? Should I buy more company stock? Should I pay for college or save for retirement?

All these questions might have answers, but how do you weave together all the pieces of your financial life to provide perspective on each of those decisions? 

There is no "one-size-fits-all" answer and it’s hard to google your way to financial security.

Clients choose CapitalWe because they don’t want to get it wrong. They want a partner they can trust.

One way to look at it is to ask yourself if you think it’s possible that you’ll have more money or a bigger nest egg or net worth by having a financial professional involved – even after paying the advisory fee. In many cases, I find clients are paying a lot in fees already –  like in 401ks – even without a real financial planner involved.

We make sure our clients do the things they say they want to - save what they need to save, spend what they need to spend, and invest when they need to invest - all in order to help create the life they want to live. How much is that worth?

Between taxes, investments, legal issues with estate planning, priority setting and having a clear vision of the future, there’s a lot to know and to keep organized and on track. It takes a lot of time, and the cost of getting it wrong is high. We deeply value these long-term relationships and the level of trust and respect afforded to us.

Where is your office?

We don’t have a formal office. There are two reasons for this:

  1. By not having an office, we pass on the cost savings by way of lower fees.

  2. With the technology of today there are a multitude of ways to connect with clients - phone, email, video conferencing, in person in the comfort of their home, or even at a local co-working space.