Transparency Matters.

Choosing a financial planner is one of the most important decisions you’ll make—after all, you’re trusting someone with your livelihood and your future. That’s why transparency is a cornerstone of our approach. From fees and services to the philosophies and strategies we use, we believe you deserve complete clarity.

We’re upfront about costs, clear about what we offer, and open about how we approach financial planning—because informed decisions are confident decisions. Below, you’ll find a detailed breakdown of our fees, services, and philosophies. And if you still have questions, we’d be happy to answer them.

Our Approach

At the heart of our philosophy is a simple truth: every part of your financial life is connected. That’s why our planning process considers everything—from retirement and investment management to estate planning, tax strategies, risk and insurance planning, goal setting, debt management, and budgeting.

We don’t believe in cookie-cutter solutions. Every client’s circumstances, goals, and comfort level are unique, and your plan should reflect that. Our advisors create individualized strategies designed specifically for you and adjust them continuously as your life evolves.

With a connected approach, you can move forward knowing that every piece of your financial picture works together toward your long-term success.

Our Fee Structure

As fiduciaries, we are committed to acting solely in the best interest of our clients. To support that standard, we operate on an assets under management (AUM) fee structure rather than commissions.

This approach helps eliminate the bias and conflicts of interest that can arise when advisors are compensated by commissions—commonly seen with products like annuities and certain insurance plans. Instead, our incentives are fully aligned with yours: when your portfolio grows, we grow with you.

Our AUM fee is scaled by asset level, ensuring fairness and accessibility for clients at different stages of their financial journey. The chart to the right outlines the exact asset tiers and the corresponding percentage fee for each level.

Transparency is one of our core values, and we’re always happy to walk you through the full details of our fee structure—so you can make informed decisions with confidence and clarity.

Review Schedule

Staying on top of your finances shouldn’t feel overwhelming—that’s why we offer regular check-ins to keep you informed and confident. Our advisors meet with clients in person on a quarterly basis to review progress, update strategies, and ensure your plan stays aligned with your goals. Our typical review schedule is to the right.

Prefer a different pace? We can adjust to bi-annual or annual meetings, and virtual meetings via Zoom are always an option for your convenience. However you choose to connect, these reviews give you a clear, ongoing picture of your financial health and peace of mind knowing you’re on track.

Other Benefits

In addition to personalized planning, we’re always adding value through ongoing education, communication, and accessibility. Here are just a few of the extra benefits we provide:

  • Finance Uncorked – Join us each month for our educational series, hosted in the Onyx Room at Altisima Winery. Enjoy complimentary wine while we explore a new financial topic in a relaxed, engaging setting.

  • The Rones Report – Looking for an in-depth market recap? Each week, our Senior Analyst, Ben Rones, CFA, breaks down the most important events in his newsletter, The Rones Report.

  • The R&R Rundown – Stay in the know with our monthly email newsletter, featuring helpful reminders, upcoming events, and easy-to-digest financial insights.

  • Direct Access to Your Advisor – Have a pressing question or an unexpected change between reviews? Your advisor is available on-demand by phone or email to provide timely guidance when you need it most.

Fiduciaries.

At the core of our financial planning process is the fiduciary standard—the highest level of care in the industry. Being a fiduciary means we are legally and ethically obligated to put your interests first at all times. Every recommendation we make is based solely on what we believe best supports your goals, not ours.

For us, this isn’t just a rule—it’s a reflection of our values. We believe in transparency, trust, and clarity. That means you’ll always understand our strategies, fees, and reasoning, so you can make confident, informed decisions. Acting as a fiduciary ensures that our success is tied to your success, which is exactly how it should be.