Our first meeting is a focused conversation designed to understand you and your situation.

We will discuss your career, compensation structure, benefits, investments, taxes, and long term goals. That may include equity compensation, bonuses, retirement plans, deferred compensation, or company stock.

We will also talk through what you are trying to accomplish and any frustrations you may be experiencing. Whether that is feeling overwhelmed by complexity, unsure how your company stock fits into your portfolio, concerned about taxes, or simply wanting more clarity and direction.

From there, we will compare your goals to your current structure to see where things are aligned and where there may be gaps.

There is no pressure and no obligation to move forward. The purpose is clarity. By the end of the meeting, you should have a better understanding of where you stand and whether working together makes sense.

After the meeting, you will also receive your complimentary Pharma Company Stock Morningstar Analyst Report.

You do not need to bring any specific documents to our first meeting.

At this stage, it is more helpful to have a general understanding of your financial picture rather than every detailed statement. That includes a rough idea of your accounts, approximate balances, any company stock or equity awards, and your overall income structure.

It is also important to come prepared to discuss your goals and concerns. Where do you want to be financially in the next 5, 10, or 20 years? What feels unclear, stressful, or unorganized today?

We can keep the conversation high level during the first meeting. The objective is clarity and direction, not perfection. Having a general sense of where you are and where you want to go is more than enough to get started.

Yes.

When I provide financial planning or investment advisory services, I act as a fiduciary. That means I am legally obligated to act in your best interest, put your needs first, and fully disclose any potential conflicts of interest.

No.

While I do offer investment management services, that is not the only way we can work together. I also provide comprehensive financial planning services on a fee basis.

Some clients want ongoing investment management. Others simply want a structured plan, guidance, and a second opinion while continuing to manage their own accounts. In those cases, I act as a consultant and provide advice for a planning fee.

The goal is flexibility. We can structure the relationship based on what makes the most sense for you.

There is no cost to meet with me for an initial conversation. There is also no cost for the Morningstar Analyst Report.

If we decide to work together, fees depend on the type of services you choose.

For financial planning services, I charge $100 per month for ongoing guidance, strategy, and support.

For investment advisory services, my fee is based on the total amount you invest and is not blended or tiered the way many firms structure their pricing.

• 1.20% annually for accounts up to $300,000
• 1.00% annually for accounts between $300,000 and $1,000,000
• 0.70% annually for accounts above $1,000,000

This means once your assets reach a new level, the lower rate applies to the entire account balance. For example, if you invest $500,000, the fee would be 1.00% on the full $500,000, not 1.20% on the first $300,000 and 1.00% on the remainder.

In many cases, this structure can result in lower overall fees compared to advisors who use a blended model.

All fees are discussed clearly in advance so you understand exactly how everything works before making a decision.

Our initial call should not take more then 30 minutes.

I work primarily with pharmaceutical professionals, so I understand how demanding and unpredictable your schedule can be.

If we decide to work together the first year can require a bit more time. That is when we build your financial plan from the ground up. We review compensation, equity, retirement accounts, benefits, tax strategy, and long term goals. On average, clients spend about 3 to 6 total hours with me during that first year.

After the foundation is in place, the time commitment typically drops.

Most clients meet with me twice per year for structured check ins to make sure everything is on track. Those meetings usually total about 1 to 2 hours per year.

The goal is to reduce the mental load. Once your systems are set up, you are not thinking about stock options, vesting schedules, bonuses, or tax moves every month. You have a plan. We monitor it. You stay focused on your career and family.

I aim to save you time, not consume it.

Yes.

There are many different types of advisors, including insurance agents, brokerage advisors, and fee based advisors. Each operates under different models and areas of focus.

A second opinion can sometimes highlight areas that may be overlooked, whether that relates to tax efficiency, investment structure, risk exposure, or how your compensation package is integrated into your overall plan.

My practice is focused specifically on pharmaceutical professionals. That specialization can provide insight into areas such as equity compensation, company stock concentration, deferred compensation plans, and industry specific benefit structures that other advisors may not regularly work with.

There is no obligation to make a change. The goal of a meeting would simply be to determine whether there is additional value I can provide.

That is completely fine.

Our initial conversations are designed to determine whether we are a good fit for each other. Just as you are evaluating me, I am also evaluating whether I am the right advisor for your situation.

If at any point you feel I am not the right fit, there is no pressure or obligation to move forward.

And if I believe your needs would be better served by another professional, I will tell you that directly and, when appropriate, refer you to someone who may be a better match.

The goal is alignment, not persuasion. A good advisory relationship only works when both sides are confident it makes sense.