Frequently Asked Questions

I hear a lot about “Fiduciaries.” Are you a fiduciary?

Yes we are! Being a fiduciary means that we are legally obligated to work in your best interest.

How are you compensated?

We work on a fee basis, which means that our advisory fees are based on a percentage of assets under management. The annual advisory fee starts at 1.25% and our minimum investment amount is $1,000,000. In addition, there are investment management fees that are separate from, and in addition to, fees paid to Hart & Patterson. All fees will be fully disclosed at the onset of our relationship with a new client. Each new relationship starts with the development of a financial plan, which ranges from $1,500-$4,000 depending on complexity.

Will you work with me on an hourly basis?

We do not work on an hourly basis or prepare one-off financial plans. We work best with individuals and families who are looking for a long-term financial partner.

Do you prepare tax returns or legal documents?

We do not, however we welcome a working relationship with our clients existing advisors – attorneys, tax preparers, insurance agents and other professionals. We are happy to provide referrals to local professionals as well.

Do you work with clients outside of Massachusetts?

Absolutely. While many of our clients reside in Amherst or the greater Pioneer Valley, we have long-term relationships with clients all over the United States.