Dee-Ann R. Fox, CFP

The firm provides fee-only financial planning and investment-planning services to individuals, couples, families, high-net-worth individuals and trusts, addressing cash flow, personal risk management, retirement, tax and estate planning. Engagements are offered on a fixed-fee project basis, hourly consultations or an ongoing retainer, and the adviser does not impose a minimum account size.

Investment recommendations are tailored from client interviews and a questionnaire, with an emphasis on asset allocation, diversification across equities and fixed income, and selection of no-load mutual funds and ETFs; tax efficiency and expense ratios are considered in security selection. Implementation is generally executed by the client at a broker of their choosing while the firm monitors accounts and conducts at least annual reviews; the adviser may accept discretionary authority for some clients but the majority of assets are managed non‑discretionarily.

Notably, the firm does not use percentage-of-AUM fees and instead charges fixed fees, retainers or hourly rates, and it does not take custody of client assets—practices that are uncommon among independent peers. The adviser is a long-practicing CFP® professional (practicing since 1995, CFP® since 1998) with a prior nearly thirty-year career at IBM and a mathematics degree, and typically coordinates implementation through low‑cost brokers when clients request assistance.