About Us

Our Approach:
We work with well-established, third-party custodians—such as Charles Schwab and Interactive Brokers—to hold and safeguard your assets. These institutions are FDIC- and SIPC-insured, and all accounts are opened in your name, not ours. You maintain full visibility and control of your accounts, with 24/7 online access.

As your advisor, we are granted limited power of attorney to manage investments and deduct advisory fees (only with your explicit consent). However, we cannot move money into or out of your accounts—only you have that authority.

Always confirm that your advisor uses a reputable, third-party custodian to hold your investment and retirement accounts.

When assets are held by a third-party custodian:

• Your accounts are in your name, not your advisor’s.
   
• You have direct access and oversight of your money.
   
• Custodians provide insurance protections (FDIC and SIPC).
   
• Advisors cannot withdraw or misuse your funds.
   

 Note: High-profile fraud cases—like Bernie Madoff’s—occurred when clients' funds were not held at a third-party institution. Using a third-party custodian helps safeguard your wealth with checks, balances, and transparency.

Yes,   

 A fiduciary financial advisor is legally required to put your interest first.

A fiduciary is also prohibited from selling you a financial product (e.g., annuity, life insurance) in return for a commission. Their compensation must come from you (the client), and the dollar amount must be a transparent line item on your statement.