I left a good firm because I couldn't give you my best advice.
A fiduciary is legally and ethically bound to put your interests first—always. But I learned that credentials alone don't guarantee unconflicted advice. The business model matters more.
The Problem I Couldn't Ignore
At my former firm, despite high ethical standards and good intentions, I was limited to offering three things:
- →A diversified portfolio of mutual funds (with the standard 1% fee)
- →A handful of Separately Managed Accounts
- →A fixed or variable annuity
That's it. Cookie-cutter. I have a CFA® charter. I have a CFP® certification. And I was handing everyone the same playbook.
I wasn't doing anything differentiated. I started to feel like I was breaking my own fiduciary promise—not because of bad intentions, but because of a limited scope.
The Model That Fixes It
Two structural changes eliminate the conflicts entirely.
Traditional Model
- ✗Products to sell
- ✗Must transfer your assets
- ✗Fee grows with your portfolio
- ✗Same playbook for everyone
My Model
- ✓No products. Advice only.
- ✓Stay with your current custodian.
- ✓Flat $100/month. Your growth is yours.
- ✓Tailored strategy using top models.
The Credentials Behind the Promise
The model removes the conflicts. The credentials prove I can deliver.
CFA® Charterholder
Chartered Financial Analyst
The global standard for investment analysis and portfolio management. Bound by a Code of Ethics I reaffirm annually—ensuring integrity even in ambiguous situations.
CFP® Professional
Certified Financial Planner
The standard of excellence for comprehensive financial planning. Rigorous training in retirement, tax, and estate strategies—designed to protect your family for generations.
CFA Institute and CFP Board are not affiliated with this site. All marks are the property of their respective owners.
Ready to see how it works?
See how we take your existing portfolio and build a tailored, low-cost strategy—without moving your accounts.