OUR APPROACH ACROSS ALL CLIENT TYPES

• A fiduciary standard of care 
• A disciplined, long-term investment perspective 
• Transparent, fee-only compensation arrangements 
• Clearly defined scopes of service documented by agreement 

We work with individuals and households seeking ongoing investment advisory and financial planning support. Client relationships may include a combination of investment management and planning services designed to align with long-term financial objectives. 

Accounts we commonly advise on include: 

• Individual and household investment accounts 
• Traditional and Roth IRAs 
• Trust accounts 
• Taxable investment accounts 

Although we do not maintain an account minimum for individual wealth clients, we will always guide our clients and prospects towards the correct investment vehicle for their situation. Services are structured based on the scope of engagement and the client’s specific planning and investment needs. 

We provide advisory services to corporations and organizations with investment oversight needs. These relationships are structured to reflect the organization’s governance structure, financial objectives, and operational considerations. 

Examples of organizations we serve may include: 

• Museums and cultural institutions 
• Professional associations and lobbyist groups 
• Privately held businesses and corporate entities 

Our role is to provide investment-related guidance consistent with the organization’s stated objectives and applicable fiduciary standards. 

We work with sponsors of employer-sponsored retirement plans, providing fiduciary investment advisory and investment management services under ERISA. Depending on the engagement, we may serve as either a 3(21) investment fiduciary or a 3(38) investment manager, as defined by ERISA and documented in the applicable service agreement. 

Plans we support may include: 

• Defined contribution plans, including 401(k) plans 
• Profit sharing plans 
• Employee Stock Ownership Plans (ESOPs) 
• Other employer-sponsored retirement arrangements 

How We Support Retirement Plan Clients 

Our services for retirement plan sponsors are structured, ongoing, and designed to support plan fiduciaries in fulfilling their responsibilities. The scope of services is defined by agreement and may include: 

• Investment Committee Support
  Assistance with investment committee meetings, including preparation, analysis, complete meeting minutes and additional documentation to support informed fiduciary decision-making. 
• Investment Monitoring and Oversight
  Ongoing review of plan investment options, including performance data and qualitative considerations, consistent with the plan’s investment policy and fiduciary framework. (do we add in here that we use RPAG for fund monitoring??) 
• Plan and Fee Benchmarking
  Periodic benchmarking of plan fees and services to provide comparative context relative to plan size, complexity, and industry norms. 
• Plan Compliance Coordination
  Coordination with plan sponsors and other service providers to support compliance-related processes and fiduciary oversight responsibilities. This includes back-office support for annual filings and internal audit assistance. 
• Participant Education and Meetings
  Availability for individual participant meetings to provide education regarding plan features, investment options, and general retirement planning considerations. We can give specific advice to participants pertaining to investments.  
• On-Site and Virtual Engagement
  On-site meetings for larger locations when appropriate, and virtual engagement for smaller or geographically dispersed workforces. 

Services are provided in a manner intended to support prudent process, documentation, and ongoing oversight. 

We also serve institutional clients, including foundations, endowments, and nonprofit organizations, that require ongoing investment advisory support and long-term portfolio oversight as outlined in an Investment Policy Statement. Services are tailored to the entity’s governance structure, objectives, and investment guidelines.