A process you can see,and a fee you can read.
Every engagement follows the same four stages, and every recommendation comes with its cost and its reason.
From first callto a written plan in eight weeks.
Discover
We learn your goals, gather statements and map every account, policy and obligation.
Plan
You receive a written plan with each recommendation, what it costs and why we make it.
Implement
We open and move accounts, coordinate with your CPA and attorney and set up reporting.
Review
Two full reviews a year, a tax projection each fall and a call whenever life changes.
How you pay uschanges the advice.
How an advisor is paid shapes the advice. Here is how we compare, line by line.
Paid by the products they sell.
- ✕Fees hidden inside fund costs
- ✕“Suitability” standard, not fiduciary
- ✕Tax planning as an afterthought
- ✕A different contact every year
Paid only by you, in writing.
- ✓One transparent fee, in dollars
- ✓Fiduciary on every account, every call
- ✓A CPA reviews every plan
- ✓One lead advisor who knows your file
| Topic | Averline | Typical commission-based advice |
|---|---|---|
| How we are paid | A flat or asset-based fee from you only | Commissions from products sold |
| Legal standard | Fiduciary at all times | Often "suitability" for brokerage |
| Where your money is | Your name, at an independent custodian | Varies |
| Tax planning | Included, reviewed by a CPA | Usually separate or absent |
| Fee disclosure | In dollars, before you sign | Often inside product costs |
Low cost, diversified,tax aware.
We do not try to predict markets. We build portfolios of low-cost funds, place them in the right accounts and rebalance by rule.
Diversified
Thousands of companies and bonds across regions, not a few bets.
Low cost
Average fund expense of 0.08%, so more of the return stays with you.
Tax aware
Asset location, loss harvesting and careful withdrawals.
Tied to your plan
Risk is set by your goals and timeline, not by headlines.
Every plan starts withone honest conversation.
Thirty minutes, by video or at our office, in English or Spanish. No cost and no product pitch.