How we are paid depends on the work we do together. Before you agree to anything, we will show you the cost, what it covers, where the fees go, and what other options are worth comparing.
The cost can be an ongoing advisory fee, a separate planning fee, or compensation paid by an insurance company when an insurance product is used. Account or investment expenses can also apply. We show you the exact costs that apply before you agree to move forward.
We separate what is paid for advice from what is paid to a custodian, investment company, or insurance company.
Sometimes compensation differs by strategy or product. When that happens, we explain it so you can weigh the recommendation with your eyes open.
Certain investments or insurance contracts can involve surrender charges, taxes, transaction costs, or other limits. Those details are explained before anything is put in place.
Form CRS, Form ADV, the applicable written agreement, and product documents contain official information about services, fees, compensation, conflicts, and risks. We encourage you to review them and ask us to explain anything that is unclear.
This page is a plain-English overview. Exact costs, services, custodians, insurance terms, risks, conflicts, and compensation are reviewed in writing before anything is put in place.