Who can become a client?
We welcome US citizens, permanent residents, and non-US citizens residing in the US with a valid Social Security number or US tax ID and a US mailing address. We also proudly serve US citizens living abroad. If you're unsure whether you qualify, just reach out — we're happy to help.


How do I get started?
It starts with a no-obligation introductory call. We'll learn about your situation, answer your questions, and see if we're a good fit for each other. If we move forward, onboarding is straightforward and we'll guide you through every step.


I'm not in Texas — can I still work with you?
Absolutely. We're a fully location-independent firm with clients across the country and around the world. We meet via video conferencing, so no matter where you are, we're right there with you. Distance has never been a barrier to great financial advice.


Is my money safe?
Yes. Your assets are held in your name at Charles Schwab, one of the largest and most trusted custodians in the country. Schwab accounts are protected by SIPC coverage up to $500,000 per account type, which guards against losses in the event of broker-dealer failure. It's worth noting that SIPC coverage — like most investment protections — does not cover losses from normal market fluctuations. For full details, visit sipc.org.


Do you receive commissions?
Never. We are a fee-only firm, which means our advisors are compensated solely by you — not by product companies, fund managers, or anyone else. No commissions, no kickbacks, no conflicts of interest. Our only incentive is your financial success.


How do you charge for your services?
We charge a straightforward advisory fee based on a percentage of assets under management (AUM). There are no hidden fees, no transaction commissions, and no surprises. You'll always know exactly what you're paying and what you're getting in return.


What is a fiduciary, and are you one?
A fiduciary is legally and ethically required to act in your best interest — not their own. Yes, we are a registered fiduciary. That means every recommendation we make is guided by what's best for you.


What is the minimum investment to become a client?
None. We don't require a minimum account size to get started. Whether you're just beginning your investment journey or transferring an existing portfolio, we're ready to work with you.


What types of accounts do you manage?
We manage a wide range of accounts including individual and joint taxable accounts, traditional and Roth IRAs, SEP IRAs, SIMPLE IRAs, trusts, and business accounts. If you have a specific account type in mind, just ask.


Do you offer financial planning in addition to investment management?
Yes. We take a comprehensive approach to your financial life, which can include retirement planning, tax-efficient investing, Social Security strategy, estate planning coordination, insurance review, and more — not just portfolio management.


How is my portfolio invested?
We build globally diversified portfolios tailored to your goals, time horizon, and risk tolerance. We generally favor low-cost, tax-efficient investment vehicles and avoid speculative strategies or unnecessary complexity.