While we love financial professionals who charge a fee for their meetings, we feel that for the majority of the clients we serve, having to pay anywhere from $3,000 to $5,000 for a financial plan would be a barrier to our clients from getting the advice they need.  

Instead, we’re only compensated if you decide to work with us & implement some of our recommendations. If we do any investment work together, we partner with portfolio managers to provide clients investment advisory services. We receive a portion** of the fee you pay for the management of your portfolio – nothing else, ever.

As fiduciaries, regardless of the portfolio manager you choose, we will always walk through the fees upfront.

If we put in place insurance products, our compensation comes in the form of commissions paid to us directly from the insurance companies whose products you choose. Our recommendations for specific companies, products, or professionals are based on the trust we have in them & in our experience in using them for our own personal planning.

**Investment Advisory Services offered exclusively through Investment Advisor Representatives of HTK.  For complete information on services provided and associated costs, please refer to the applicable Form Adv or Form CRS.