Process

Working together starts with three meetings. After that, we spend a few months putting the initial plan in place then shift to ongoing advice.

Getting started

The three free video meetings cover:

1. An introduction, where we talk about what you need help with. If we aren’t a match, I’ll point you toward a better fit. Afterward, I email follow-up questions and a list of documents to send.
2. A data review, where I summarize what I understand about your finances and priorities.
3. A plan discussion, where I walk you through what I would do if I were you and quote a fee to carry it out.

The plan covers whichever parts of your financial life need attention and explains the reasoning behind each recommendation.

Initial work

If you move forward, we meet monthly until the plan’s tasks are done. That typically takes a few months, since some steps move at the pace of outside institutions.

I keep this first phase separate so you can find out if my advice is valuable before committing to a long-term relationship. When the initial work is complete, we each decide whether to continue. If you’d rather not, you leave with everything we’ve done and owe nothing more.

Ongoing work

We meet for about an hour every two to three months. I’ve found this cadence is frequent enough to avoid the long catch-up of a semiannual review and far enough apart that each meeting has new questions or planning opportunities. I keep a running list of what’s ahead and bring each item up when it’s due.

After meetings, I email you notes and next steps. If something major happens in your life, I’ll move up our next meeting.

Investment management is included. I can manage your accounts at Schwab, where they stay in your name, or you can keep them at another firm, such as Fidelity or Vanguard, and place the trades I recommend.

Fees

Every dollar I earn comes from my clients. I don’t earn commissions, take payments from other companies, or accept referral fees. I also own all of Eversight, which means nobody else has a say in my advice.

The initial work has a one-time fee based on its scope, typically $3,000 to $9,000. You pay half when we start and half when it’s done.

The standard ongoing fee is $8,000 per year, no matter how much you have invested. Especially complex finances can mean a higher fee, which you’ll know before you commit. I review fees every three to five years, or sooner if the scope of work changes. I bill after the end of each quarter and you can cancel anytime.

If you’re interested in talking, email me at adam [at] eversightwealth [dot] com with a few sentences about what’s on your mind.