FAQs

Is there a specific type of client that you typically work with?

We work with anyone where we can add value and where they appreciate what we can offer. In doing so, we serve investors and families from diverse personal and professional backgrounds. We enjoy the complexity of working with multigenerational families and business owners.

Do you have a minimum account size?

From business owners to corporate executives, newlyweds to widows and grandfathers to granddaughters, our individual clients’ investable net worth ranges from $100k to over $40M. We are grateful to have a skilled and committed team of professionals with experience and expertise capable of meeting the needs of investors and families on a wide spectrum. Our typical client household ranges between $500k to $5M in investable net worth.

Do I have to have an investment account in order to work with your team?

Not necessarily. We meet our clients where they are. In some cases a new client’s assets are held in a 403(b), 401(k), or other employer sponsored retirement plan and we are unable to directly manage those assets for them. In those cases or when working with young clients seeking assistance in establishing a long term financial plan, they will often begin a relationship with our team through a fee only financial plan.*

Do you work with people outside of Charlotte?

The majority of our clients are in the Carolinas but we are not limited geographically. We have clients from California to the Carolinas, Texas to Ohio and Clearwater to the Jersey Shore. Technology makes it possible for us to serve investors all over the United States. We thoroughly enjoy the challenge.

How do you get paid and at what point would I expect a bill?

Our initial consultation is free of charge. During that initial meeting and in following conversations, all potential fees and charges will be disclosed. The majority of our clients are in advisory based programs with a resulting annual advisory fee based on assets under management. In some cases, a commissioned based arrangement may be more appropriate.**

Money is stressful! How do you guys like doing this?

For the same reason that some people like puzzles. We like to solve problems. Putting pieces together that fit. Portfolios and financial plans are like puzzles.

*The Financial Planning or Consulting services listed are generally those offered under the Wealth Advisory Services Agreement. However, fees and services are customized with each client agreement. For a complete list of fees and available services, please consult the most current Form ADV Part 2A and the Wealth Advisory Services Agreement that you may obtain from your Investment Adviser Representative.
**We primarily offer fee-based advisory services charging a flat fee based on a client's total assets under advisement. However, if deemed appropriate and in our client's best interest, we also provide commissioned brokerage services. Though our financial advisor provides clients with great care and recommendations, advisors only have a legal fiduciary obligation to advisory clients. In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2 as well as the client agreement. Services rendered will be dependent on applicable agreements.