Tier 3 · Ongoing Partnership

Someone Watching Your Financial Life

Ongoing management. Quarterly reviews. Account execution. Ad-hoc access. Your financial life, handled — while you focus on what you do best.

From $1,000/month + AUM
Onboarding from Vision · 12-month minimum
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What You Get

Vision is the plan. Care is the execution.

Everything in Vision, plus someone actively managing your financial life — so the plan doesn't just exist, it actually happens.

Full Vision Onboarding

70-question discovery, Investment Policy Statement, Future Guide, insurance analysis, and action plan. Everything you need — included or credited from prior Vision.

Altruist Account Setup

Custodial account opening, asset transfer coordination, portfolio construction per your IPS. Done for you, not by you.

Quarterly Rebalancing

Automated monitoring with manual review. No surprises. Portfolio stays aligned with your IPS thresholds.

Insurance Placement

Life, disability, umbrella coordination through affiliated brokerages. Coverage gaps closed, old policies evaluated.

Quarterly Review Calls

30-minute calls: market context, portfolio performance, rebalancing logic, and any life updates that matter.

Tax-Loss Harvesting

Ongoing tax optimization within the portfolio. Year-end reporting. You don't leave money on the table.

Annual IPS + Future Guide Refresh

Life changes; the plan adapts. Updated annually or at major life events. Your plan stays current.

Ad-Hoc Access

Email Andrew for financial questions. Responsive within 24 hours on business days. When something comes up, you have answers.

Fees

Onboarding Fee From Vision or additional
AUM Fee (Under $500K) 0.50% per annum
AUM Fee ($500K–$1.5M) 0.75% per annum
AUM Fee (Over $1.5M) 1.00% per annum
Minimum Term 12 months, then annual renewal
The Process

From signed agreement to funded account in 4–6 weeks

1

Vision Onboarding

Complete 70-question discovery (or confirm prior Vision deliverables on file). Andrew builds or confirms your IPS and Future Guide.

2

Account Setup

Altruist application, portfolio construction per IPS, asset transfer coordination. Andrew handles the logistics.

3

Account Funded

Assets transferred, portfolio live, rebalancing activated. Your financial system is now running.

4

Quarterly Reviews

Every 3 months: 30-minute call reviewing performance, rebalancing, and any life changes. Ongoing.

Common Questions

Straight answers

Vision is a deliverable — you get a plan. Care is ongoing management — someone executes the plan. Vision is a one-time project; Care is a running system.
Yes. Vision is how Andrew understands your situation and builds your IPS. Care builds on that foundation. If you've already done Vision elsewhere, Andrew can work with those documents.
You can cancel at the 12-month mark with 30 days notice. After that, it's annual renewal. Your portfolio stays yours; Andrew just stops managing it.
Altruist for self-directed accounts. They're a modern custodian with competitive pricing and good technology. Andrew doesn't custody assets — they do.
In most cases, yes. We can either transfer to Altruist or advise on your existing accounts. Andrew will assess what's most efficient for your situation.

Ready to have someone manage it?

Vision gives you the plan. Care gives you the execution. Let's talk about which makes sense for you.

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