Independent. Fee-Based. Your Interests First.
We are legally bound to act as your fiduciary. No commissions. No hidden product incentives. Just transparent, fee-only advice where our success is directly tied to yours.
Fixed percentage of assets under management. No performance fees. No trading commissions.
The True Cost of Advice: A Side-by-Side View
Source: Direct analysis of advisory models. Fee-based models create fewer conflicts of interest, a key requirement for fiduciary advice.
Fee Transparency Panel
Understanding the long-term impact of fees is critical. Our model is designed for clarity and alignment. Below are our standard advisory fees and the assumptions used in our projections.
Advisory Fee Schedule
* Fees are charged quarterly in arrears, calculated on the average portfolio value for the quarter.
Projection Assumptions (for Illustrative Purposes Only)
- Average Annual Return: 5% nominal (pre-fee)
- Inflation Rate: 3% per annum
- Time Horizon: 10 years
- No Contributions/Withdrawals: Calculated on starting principal only
Note: These are hypothetical scenarios. Past performance does not guarantee future results. Fees are deducted from the portfolio.
10-Year Impact: Net Value
Illustration. Assumptions: 5% annual return, 3% inflation, 10-year term. Fees compound annually.
What If Returns Are Lower?
If average return is 2% instead of 5% (with 3% inflation), the portfolio may not grow in real terms. Fee drag becomes proportionally larger. This is why we focus on cost control and asset allocation from day one.
How We Evaluate: Constraints & Realism
Our methodology is built on transparency. We work within clear boundaries and client-defined criteria.
Operational Constraints (What We Live By)
Method Note: Robustness Assessment
We do not use proprietary algorithms or "black box" models. Our investment selection and risk assessment are based on:
- Multi-factor academic research (Fama-French, CAPM extensions)
- Liquidity and credit analysis for fixed income
- ESG data from SFDR-aligned providers (MSCI, Sustainalytics)
- Stress testing against historical and hypothetical market scenarios
Our framework is static and rules-based. We avoid chasing fads or timing markets.
The Trade-off: Benefits vs. Realities
Our fees are clear, and our incentives match yours. No hidden costs.
We cannot serve every investor due to our resource-intensive model. This keeps advice focused.
Independence allows us to select from the entire universe of funds and securities.
For clients who prefer total DIY, our model may not be cost-effective at lower asset levels.
Decision Lens
Are we the right fit for you?
- You value a fiduciary standard and fee transparency.
- Your assets are above our minimum threshold.
- You have a long-term horizon (>5 years).
- ESG integration is a priority, but not a mandate.
In Practice: A Client's Path
Scenario: A 58-year-old dual US/German resident preparing for retirement.
This scenario illustrates our process. Your situation will be unique, and the solution will be tailored accordingly.
Start the Conversation
The first step is a 45-minute introductory call. We'll discuss your goals and determine if there's a mutual fit.
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