A flat-fee fiduciary financial advisor, wherever you are. When you hire me, you get me.
Telewealth means virtual financial planning for clients across the United States. One published fee, tied to the work I perform rather than the size of your account. Not a junior associate. Not a team whose names change every eighteen months. And not a bill that grows every time your portfolio does.
Start a conversationTwelve questions to ask any advisor before you hire oneThree groups, three sets of problems
Most of my work sits in one of these three places. Each one gets its own page, because the questions are not the same.
The Work-Performed Standard
A flat fee is a price. It is not a method. Here is the method.
How it works
Retirees and pre-retirees
You spent thirty years learning to accumulate money. Now you have to learn to spend it, and nobody teaches that part.
Retirement planning
Men going through divorce
I have been through it. It is the single worst time in a life to make permanent financial decisions, and it is exactly when you have to make them.
Divorce planning
Physicians
You are exceptional at medicine. You should not have to become a part-time financial planner on top of it.
Planning for physicians
A flat fee is a price. It is not a method. Here is the method.
I rebuilt my business because I lost a client.
I spent fourteen years starting, owning and running a wealth management firm. I began with ten clients who came over with me. By the time I sold my interest in the business, I was working with 225.
Near the end of that stretch, I lost a client I had advised for twelve years. He had been approached by a flat-fee advisor and he asked me a fair question: would I match the fee? I told him I could not. He left.
It hurt.
When I sat down and worked out why it hurt, the answer was not that he had made a mistake. The answer was that my fee had almost nothing to do with the work I was doing for him. It was tied to how much money he had saved.
That is how the assets under management model is built, and it is built that way on purpose. The advisor gets paid more as the account grows, whether or not the work grows with it. A $3 million portfolio does not take three times the effort of a $1 million portfolio. Most people in this industry know that. Very few of them price like they know it.
So I built the practice I would have wanted to hire.
So I built the practice I would have wanted to hire.
How the Work-Performed Standard works
A flat fee is a price. It is not a method. Here is the method.
The fee tracks the work, not your balance
A typical client takes twenty to thirty hours of my time in a typical year. My fee reflects that time. It does not reflect your balance. Invest more, inherit money, sell a business: the fee does not move. It adjusts once a year with the Consumer Price Index, and that is the only reason it ever moves.
The advisor does the work
I manage portfolios myself. I do not outsource them to a model portfolio provider, and I do not hand your plan to someone you met once at the onboarding meeting. When you call, you get me.
The answers are published before you ask
How I get paid, every way. What my conflicts are. What happens to your money if I die. What it costs to leave. Those answers are on this site in writing, and they were there before you arrived. You should not have to negotiate your way to them.
A virtual conversation
1. A conversation
30 minutes. No charge, no pitch, no obligation. I want to hear what you are actually trying to solve.
2. Your plan and your fee, in writing
What I would do, what it costs, and, as often, what I would not do. If I am not the right fit, I will say so in that meeting rather than three months later.
3. The work
You hear from me at least five times a year, and my preference is two deep-dive reviews on top of that. Between those, you call me. You are paying me to advise you, so let me advise you.
Client perspectives
What clients have said
Short excerpts from public Google reviews, including one from a client who worked with me virtually from the West Coast.
★★★★★ Google review
“I finally had an expert in my corner.”
Relationship: Client as of September 1, 2026. Compensation and conflicts: The reviewer reported no compensation and no material conflicts.
★★★★★ Google review
“…very personable and transparent.”
Relationship: Client as of August 13, 2026. Compensation and conflicts: The reviewer reported no compensation and no material conflicts.
★★★★★ Google review
“…gain our trust and build rapport virtually.”
Relationship: Client as of July 4, 2025. Compensation and conflicts: The reviewer reported no compensation and no material conflicts.
These excerpts reflect individual experiences and do not guarantee future results. Names are withheld pending written permission to identify a client.
Read the public Google reviews · Review relationship and compensation disclosures
Twenty years of being asked
Reporters at CNBC, The Wall Street Journal, Barron’s, Kiplinger and the Associated Press have called me for comment on markets, retirement, fees and divorce since 2011. I do not put that here because press makes anyone a better advisor. I put it here because the questions they asked are the same ones my clients ask, and you can read exactly what I said.
CNBC · The Wall Street Journal · Barron’s · Kiplinger · Associated Press · Financial Planning · ThinkAdvisor · ABC News
Ask me the hard questions first
Most people never ask their advisor how he gets paid, what his conflicts are, or what happens to their money if he dies. I have written down my answers to all three, along with nine others, and I would rather you read them before we ever speak.