You can end it anytime with 30 days’ written notice. We bill in arrears, so you’re never paying ahead for work you haven’t received — you’ll owe a prorated amount for the days we worked that quarter, and nothing beyond it.

One thing to know going in: the $2,000 plan fee is earned when we deliver the plan. If you’re paying it in installments and you leave before it’s cleared, the balance is still due. You have the plan. The work was done.

Because we’re legally required to. We’re a fiduciary — the standard that says our advice has to put your interests ahead of ours, for as long as we work together.

Other people in this business work under different rules, and some of those obligations attach only at the moment of a sale.

Before you hire anyone — us included — ask what standard they’re held to and what license they hold. Then go look it up at adviserinfo.sec.gov.

It begins with how much you need and when you need it by. From there we determine if your needs align with your risk tolerance.

Then we look for a balance between diversification and opportunity; power and precision.

Two people the same age can need completely different portfolios. Yours gets built for your plan. The market isn’t the benchmark- being on track to achieve your goals is.

All investing involves risk, including possible loss of principal. Concentrated portfolios can move more than the broad market.