Business Description
We help our clients make a lifetime of smart financial decisions by providing expertise in asset management and financial planning. I think there are many things about us that are unique. To begin with, we are “Fee only” advisors. This means that the only way we are compensated is the fee you pay us directly. We receive no remuneration from the investments we use or from any other financial products we may recommend. We are also “Fiduciary advisors” because we act with undivided loyalty to our clients and their interests, not our own. We also practice what is called “Evidence-based investing” which means you are not just getting our opinion on investing; you are getting investment advice that is substantiated by extensive back-testing and has overwhelming academic support. Lastly, we are only interested in building long term relationships that help our clients to make consistently smart financial decisions.
General Information Gender:    Male CRD#:    4272080 Firm CRD#:    140103 Insurance License#:    n\a Name of Custodial Firm:    Charles Schwab States Licensed in:    WA, OR, AK States Willing to do Business in:    all 50 states Years of Experience in Financial Services:    11 Number of Years with Current Firm:    6 I work with the following types of clients:    Non-Profit Organizations, Individual Investors
Education Academic Background   BA Washington State University MS College for Finanaicl Planing CFP Certificant
Services Investment Types:    Insurance, Bonds, Stocks, Commodities, Mutual Funds, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Masters In Personal Financial Planning
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Firm's Number of Clients:    500 Firm's Number of Planning Clients:    300 Firm's Number of Managed Clients:    500 Assets Managed by Firm:    $368,000,000 Advisor's Number of Clients:    125 Advisor's Number of Managed Clients:    125 Advisor's Number of Planning Clients:    125 Assets Managed by Advisor:    $150,000,000
Compliance Registered Investment Advisor:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-only financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $400,000 Compensation Methods:    Hourly, Based on Assets Fee % Based on Assets:    1 Hourly Rate:    $250 Additional Details on Charges:    There are two ways to work with me. On an ongoing basis as a fee-only advisor or on an hourly basis for point-in-time financial planning advice. Minimum Fee Charged for Managed Accounts:    1% Minimum Fee Charged for Hourly Planning Accounts:    $1,000
Prepared By:	Ethan Broga, CFP®

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

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Q.	Do you have a customer satisfaction or refund policy?
Yes - Clients receive a refund for the unused portion of the management fee collected, which is billed 1/4 the annual rate every quarter.

Q.	What are your qualifications? What is your education background?
I have over 10 years experience in educating individuals and family on how best to invest. I have a BA from Washington State University, a MS in Financial Planning, and I am also a CFP(R).

Q.	What is your approach to financial planning?
My approach to planning is similar to our investments. I want to minimize risks that could prevent you from reaching your goals. We do this using an integrated approach, so all factors are considered before making a decision.

Q.	What services do you offer?
Expertise on investments, tax planning, retirement planning, asset protection, gifting, education, and debt analysis.

Q.	How many clients do you currently manage?
My team, consisting of 3 professionals, works with 125 clients.

Q.	Will you be the only person working with me?
No, including myself, there are 3 professionals.

Q.	How are you compensated? How will I pay for your services?
Fee-only based on assets under management.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
No. We will agree in advance on the allocation we will be working within. We will monitor and maintain the allocation, reporting the results on a quarterly basis, and provide meaningful benchmark information.

Q.	Do you offer any guaranteed results?
No. We typically do not use investments that offer a guaranteed result.

Q.	How much risk should I be willing to take?
As little as possible to achieve your objectives.

Q.	Have you ever been charged with any breaches?
No.