The portfolio is downstream of the plan

Not necessarily, and it is worth separating the planning relationship from where assets are held. Some people engage us for planning while accounts stay where they are, particularly when a workplace plan has limited options. Where consolidation genuinely helps, usually because coordinating allocation and tax across scattered accounts is otherwise impractical, we will explain why rather than assume it.

Diversified portfolios built around your plan rather than a forecast, implemented with attention to cost and tax, and rebalanced on predetermined bands. We do not attempt to time markets, and we are skeptical of strategies that require being right about the next twelve months. All investing involves risk including possible loss of principal, and diversification does not guarantee a profit or protect against loss.

The first meeting is free, and it always will be. It is a discovery conversation, and it is how we both work out whether this is a fit. If we go ahead together, planning carries a fee, and you will know the number before you commit to anything. Engagements come in three levels, starting at a one-time strategy engagement of $3,500 plus $250 a month from the second month, and the level depends on the complexity of your situation. For households above $1 million in assets we manage, the planning fee is typically waived. If we also manage investments, that is a separate and optional asset-based fee, quoted on our fee sheet and charged on top of the underlying fund, manager, and platform expenses. Cambridge's Form CRS also describes the services offered, fees and costs, conflicts of interest, and the standard of conduct that applies.