A plan you actually understand
Fee-only, fiduciary financial planning and investment management for families and business owners in the Twin Cities. No products sold, no jargon, no surprises on the statement.
How we work
No commissions, no product sales, no hidden fees. You always know exactly what you pay and why.
Your whole financial life, in one place
Real planning, not a product pitch. We look at the whole picture and build a plan you can actually follow.
Retirement planning
A clear path to and through retirement, so you know when you can stop working and how much you can safely spend.
Investment management
Low-cost, evidence-based portfolios built around your goals and your tolerance for risk, not the market’s mood.
Tax-efficient strategy
Coordinated with your CPA to keep more of what you earn, from Roth conversions to withdrawal sequencing.
Estate & legacy
Make sure the right people are cared for and the paperwork actually matches your wishes.
For business owners
Exit planning, retirement plans and the personal-plus-business coordination most advisors skip.
For physicians
Student-loan strategy, contract questions and catch-up planning built for a late, high-earning start.
Unhurried, and built around you
No pressure, no obligation. Here is how the first few conversations go.
Discovery
A relaxed conversation about your life, your goals and your worries. No commitment, no cost.
Your plan
A clear, written plan in plain language, with the fee agreed up front before anything moves.
Implement
We put it in motion and coordinate with your CPA and attorney so nothing falls between the cracks.
Ongoing partnership
Regular reviews and a real person to call when life changes, because it always does.
Fee-only, fiduciary, and plain about it
The three things that should never be a mystery when someone manages your money.
How we charge
Transparent, and the same for everyone.
- Fee-only, never commissions
- 0.80% of assets, tiered down
- Flat planning from $3,600/yr
- No hidden or product fees
Our standard
The legal duty, put in writing.
- Fiduciary at all times
- Your interest, legally first
- Advice, not a sales quota
- Reviews shown per SEC rules
Who we serve
Where we do our best work.
- Families nearing retirement
- Business owners planning exits
- Physicians and professionals
- Anyone who wants it in English
What our clients say
For the first time I understand what we own and why. They answered every question without once trying to sell me something.
Margaret & Tom H.Retired, EdinaSelling my company was terrifying. They coordinated with my CPA and attorney and made the whole thing feel handled.
David R.Business owner, St. PaulAs a physician I started late and behind. Their catch-up plan was specific, realistic, and finally let me sleep at night.
Dr. Anita P.MinneapolisReady for a plan you can actually follow?
Book a complimentary intro call. You will leave with a clearer picture of where you stand, and a straight answer on whether we are the right fit, with zero pressure either way.