Burlington, VT Office

The firm serves individual and high-net-worth clients, providing discretionary investment management and a range of financial planning services including retirement, tax coordination, estate, college savings, business planning, and employee benefits optimization. It operates as a small team practice (four advisors) managing roughly $59 million for a limited client base across multiple offices.

Guidance is implemented through individualized investment policy statements and discretionary portfolio management that combines fundamental and technical analysis, with account reviews performed on a regular (quarterly) basis and client-imposed restrictions accommodated. Clients may engage the firm under both a financial planning agreement and an investment management agreement simultaneously; the firm coordinates fees through a combined-fee arrangement that can credit asset-based management fees against planning charges.

Noteworthy differences from many peers include the firm’s disclosure that the principal also operates a separate consulting/training business and dedicates significant time to those activities, a relationship the firm requires be disclosed to clients as a potential conflict of interest. The firm also does not aggregate trades into block orders for multiple clients (implementing trades on an individual-account basis), does not accept third‑party sales compensation, and relies on a recommended qualified custodian from which it receives support products and services; clients retain responsibility for proxy voting.