With the help of an advisor, you’re choosing to delegate the implementation and monitoring of your financial plan and investment portfolio to experienced professionals. You are not looking for a get-rich-quick scheme - instead, you have a patient approach and desire to plan for your future. Let us help you focus your time on other areas of importance to you.

We manage all, or nearly all, of your investment assets that are eligible. These assets should be considered the “main plan” and the foundational core of your financial future. Pre-existing holdings will be sold (pending income tax planning analysis) if they do not fit your foundational core and are not recommended.

At Woodstone, we do not have a minimum account size to work together. When we first meet, we will determine if there is a strong basis to work together – meaning we desire to work with those whom we can provide great value.

We are compensated 100% by client fees, fully disclosed to you in advance. As a fee-only firm, no one pays us to sell or recommend anything to you. We actively choose not to sell products or accept any type of payments from commissions, loads, revenue-sharing or referral arrangements. We always strive to recommend solutions that are in your best interest. We have no hidden fees and our process is fully transparent. From the start of our relationship, you will know what we are doing, why we are doing it and what it costs. For our services, on average, we charge a flat fee per year based on the value of the assets under advisement.

We specialize in working with a limited number of clients on a long-term, ongoing basis. We believe that supporting our clients into and throughout retirement is a process that is always changing. The planning process is about adapting, growing, finding opportunities and staying on track to meet your financial goals. Put simply, planning doesn’t ever stop!

We anticipate having long-lasting, healthy relationships with all of our clients. However, if there is a compelling reason that we should engage in a planning relationship on a one-time basis, we may do so. We limit our financial planning projects to 3-5 clients per year.

We enjoy working with people who recognize the importance of financial decision making. We recognize that financial decisions are often best made when you have a clear understanding of the framework and implications of that decision – the pros and cons. Building knowledge builds confidence and understanding of the moving parts of your financial life. Confidence and understanding we see lead to better decision making.

Yes. You may terminate our relationship at any time without any “hooks” binding you to us.

As a firm, we deliver a deliberately planned path to achieve your financial goals. We strive to help you build financial confidence and we work together in an ongoing partnership to implement, monitor and update your integrated wealth advisory plan. As fiduciaries, we are legally committed to acting only in your best interest under a "fiduciary standard of care". We practice an investment philosophy based strictly on evidence - our actions are grounded in Nobel-prize winning academic research, not our own personal opinion. Additionally, we will always encourage you to maintain the alignment of your portfolio with your long term goals.

As someone seeking assistance in your financial affairs, you have chosen to delegate the implementation and monitoring of your financial plan and investment portfolio to experienced professionals. In order for our relationship to remain beneficial, we ask that you provide us with the requested data needed to maintain your financial plan. Additionally, you are willing to practice financial discipline, the joint actions of:

• Saving regularly, investing early and often.
• Patience in your preparedness. Patience in the worthiness of your plan and your preparation for all market cycles and all stages of life.
• You expect us to evaluate and manage all, or nearly all, of your investment assets within your portfolio’s approved guidelines.
• You are willing to proactively focus on a long-term, personalized, planned course of action, rather than reactively focus on short-term market conditions.
• You are willing to act in a timely manner to complete the goals we have jointly identified.
• You are willing to accept the academic evidence which shows that the future of financial markets, countries and companies cannot consistently be predicted or profitably timed.
• You are willing to remain continuously involved in the process, understanding that each component is interdependent.
• You are willing to make us aware of errors as soon as they are discovered.
• You are willing to inform us of any significant changes in your financial situation or goals as they occur.

Yes. We plan to meet to review your financial life at least once on an annual basis, including the results and expenses of your investment portfolio. Alternatively, we make ourselves available by phone and email for follow-up or questions that arise between meetings.

Absolutely. We maintain client information under strict standards of security and confidentiality. We will not disclose the nature of our relationship to anyone without your permission. If you work with other professionals (i.e. CPA or attorney) we will seek your permission to share information with them on a need-to-know basis.