Transparent, Fair Pricing

Fee-only means our only compensation comes directly from you — the client. We never earn commissions, referral fees, or kickbacks from the sale of financial products. This removes the conflicts of interest that exist at many traditional financial firms and ensures our advice is always in your best interest.

Your fee is based on the complexity of your financial situation — not a one-size-fits-all formula. We consider factors like your income sources, tax complexity, real estate holdings, business interests, net worth, and whether multi-generational planning is involved. Your fee is always discussed and agreed upon before we begin working together.

For clients with investable assets exceeding $500,000 that we manage, the monthly planning fee is waived and you pay only the AUM fee. All comprehensive planning services remain included. For clients who don’t need direct asset management, the monthly planning fee covers everything.

Everything. Tax planning, retirement income optimization, investment management, estate planning, cash flow planning, insurance review, Social Security strategies, real estate analysis, business planning, and more. We also coordinate with your CPA, estate attorney, and other professional advisors to make sure every piece of your financial life works together.

A fiduciary is legally required to act in your best interest at all times. Not all financial advisors are fiduciaries — many operate under a lower ‘suitability’ standard, which only requires that recommendations be suitable, not necessarily the best option for you. As a registered investment advisor, we are held to the fiduciary standard in everything we do.

Yes. We are based in New Braunfels, Texas, but we serve clients across the United States. Most of our meetings happen over Zoom, and our planning process works seamlessly whether you’re across town or across the country.