Fees & FAQ

If Paid Through Investments

Our fee is simple and straightforward:

0.75% on the total investment portfolio we manage.

We have a quarterly minimum of $1,875.

We also have a quarterly maximum of $7,500.

If Paid Directly

If we do not manage investments, you can still pay us directly.

We still implement a quarterly minimum of $1,875.

We also still implement a quarterly maximum of $7,500.

However, if paid directly the fee will be negotiable based on complexity of the work.  

Investment Philosophy:

Investment Philosophy:

Our philosophy on investments is simple. Low-cost, diversified index funds are sufficient for most people. No value is added over the long run by picking individual stocks and bonds. Anyone who argues for their “customized” investment strategy is looking to sell you something.

The real value in managing investments is found in tax efficiencies all throughout life, including distributions.

  • Where is your office?

    I do not have a physical office, but I do occasionally visit clients in person. To be clear, I will not drive farther than San Angelo or Abilene, and our face-to-face meetings will be limited.

  • How do we meet?

    I am almost entirely virtual. Zoom is my primary method of communication with clients. Believe it or not, great relationships can be developed this way. Also, I believe a virtual meeting can take a ton of pressure off you and me both. We don’t have to travel or dress up. We come as we are, and we can feel secure in our own space.

  • How often would we meet?

    This truly depends on you. Our firm is built around the idea that we are not leading you in a certain direction, and we have no timeframe. We work at your pace. We have a structured process if you are ready for a process, but we can also work with you when your capacity for structure isn’t there yet.

  • Who is your typical client?

    Widows, widowers, and divorcees.

  • Will you work with me if I don’t fit your typical client?

    Possibly. If my message resonates with you, I would be happy to have a conversation, as a handful of my clients are couples. Given the sacred nature of this work, I would like to make sure we are a good fit for each other. If we decide we are not the best fit, I would be more than happy to help you find the right fit.

  • Who would not be a good fit?

    People on who have an ego, also, anyone who is confrontational. Most of my clients feel like life has dealt them significant hardships. With so much real work to do, I can’t be bogged down with egos. Also, you must be comfortable with technology. If you can use Zoom and are willing to learn how to share documents with me, I am willing to teach you. I am not a tech-nerd, so don’t worry, but some basic level is required.

  • Will you communicate with my other professionals (tax preparer, attorney, insurance agent, etc.)?

    Yes, absolutely. This is a critical piece, so things don’t get lost in transition. This is part of the process. You will not do this alone.

  • What is the difference between an advisor and a planner?

    Semantics, mostly. However, to call yourself a financial planner you must have the CFP marks from the Certified Financial Planner Board. Anyone can call themselves an advisor, though, so be careful. Lots of insurance and investment brokers call themselves advisors in order to sell you products for a commission.

  • What happens to the firm and to me if something were to happen to you?

    We are small by choice, but this is one of the drawbacks. We do not take this lightly, though. Per our regulatory requirements, we have a Business Continuity Plan, and we review this annually and update it when necessary. We will be happy to discuss this with you.

  • I would like to meet with you, where do I start?

    Our first meeting is an introduction at no cost to you. Everything is open for discussion, but we ultimately want you to be comfortable with us. Click here to schedule your first appointment with Dillon.

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