People First Financial Advisors

Plan with Purpose, Live Intentionally.

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Ethos is a premier, people-centric financial planning firm dedicated to helping you connect your money with what matters most to you. As fee - only financial advisors, we do this by using straightforward, easy to understand financial plans. At Ethos, we firmly believe that clear values lead to a clear path forward.

The Process Of Ethos

We’re here to listen and understand your unique goals and craft a personalized plan that truly reflects your vision. Don’t settle for a one-size-fits all approach to your finances. You deserve personalized advice that reflects what’s important to you.

Connecting- Let’s break the ice! We’re eager to learn about your financial life and what brings you to us. Our first chat is a chance for us to understand your financial aspirations and for you to see what it’s like to work with Ethos. If we both determine it’s a good fit, you’ll sign the paperwork to become a client and start your journey through the Ethos Planning System.

Aligning- Your journey begins with exploring your values and goals. Our goal is to gain a deeper understanding of what we’ve already discussed during our initial call. We’ll introduce tools to help you uncover your values, envision your ideal future, and get clear on your current financial situation.

Planning- Fueled by your values and goals, we’ll create your unique financial plan. Over the next 4-6 weeks, we’ll meet to discuss the relevant parts of your plan. Including income, investments, taxes, and estate planning. By the end of this process, you’ll have an easy to understand plan with clear actionable steps.

Optimizing- Planning is not a one and done process, and your plan should evolve with your life. Moving forward, we’ll meet on a quarterly basis to make adjustments and make sure that you are on-track to accomplish your goals.

Connecting- Let’s break the ice! We’re eager to learn about your financial life and what brings you to us. Our first chat is a chance for us to understand your financial aspirations and for you to see what it’s like to work with Ethos. If we both determine it’s a good fit, you’ll sign the paperwork to become a client and start your journey through the Ethos Planning System.

Aligning- Your journey begins with exploring your values and goals. Our goal is to gain a deeper understanding of what we’ve already discussed during our initial call. We’ll introduce tools to help you uncover your values, envision your ideal future, and get clear on your current financial situation.

Planning- Fueled by your values and goals, we’ll create your unique financial plan. Over the next 4-6 weeks, we’ll meet to discuss the relevant parts of your plan. Including income, investments, taxes, and estate planning. By the end of this process, you’ll have an easy to understand plan with clear actionable steps.

Optimizing- Planning is not a one and done process, and your plan should evolve with your life. Moving forward, we’ll meet on a quarterly basis to make adjustments and make sure that you are on-track to accomplish your goals.

Financial Advisor FAQ’s

Answer:

When you work with Ethos, you’re teaming up with an independent, registered investment advisor (RIA) and fiduciary that’s all about putting you first. Since we’re not part of a big corporate firm, we have the freedom to give you personalized, unbiased advice that’s focused entirely on your goals. No third-party products or hidden agendas—just recommendations that are designed with your best interests in mind.

 

With Ethos, you can count on clear, straightforward guidance and a partner who genuinely cares about helping you live the life you want.

Answer:

Minimum Household Fee

We have a minimum annual fee of $2,000 per family, which can be paid from: (1) AUM fees starting at 1%, (2) a monthly retainer fee, or (3) a combination of the two. This fee structure ensures that financial planning is accessible to those who may not have investable assets. Please see “How do you get paid” for more information on our fee structure.

Answer:

Our Fee Structure

As a fee-only financial advisor, my compensation is based on a transparent structure with no commissions or hidden costs. Our fees cover both ongoing financial planning and investment management.

Investment Management Fee

We get paid a percentage of the investments that we manage for you. The annual fee is paid monthly based on the value of your account as of the last day of the billing cycle.

Assets Under Management

Annual Advisory Fee

$0 – $1,000,000

1.00%

$1,000,000 – $3,000,000

0.75%

$3,000,001 – $10,000,000

0.50%

$10,000,000 and Above 

0.25%

Our tiered fee structure means that as your assets grow, your advisory fee decreases, helping you keep more of your wealth over time.

Answer:

We provide you with services that are typically only available to Ultra High Net Worth individuals, for a fraction of the cost. We do this because we believe that you deserve access to great financial advice, no matter what your net worth is.

Our services include:

  • Values & Vision Discovery
  • Budget & Cash Flow Planning
  • Tax Projections
  • Investment Strategy
  • Insurance Planning
  • Retirement Planning
  • College Education Funding
  • Social Security Maximization
  • Group Benefits Planning
  • Estate Planning
  • Tax Return Analysis
  • Access to Legal & Tax Specialists

Answer:

Simply put, we use personalized strategies that are designed with your life goals in mind. We don’t use blanket, one-size-fits all strategies.

What can I expect if we work together?

Answer:

When you work with Ethos, you’re teaming up with an independent, registered investment advisor (RIA) and fiduciary that’s all about putting you first. Since we’re not part of a big corporate firm, we have the freedom to give you personalized, unbiased advice that’s focused entirely on your goals. No third-party products or hidden agendas—just recommendations that are designed with your best interests in mind.

 

With Ethos, you can count on clear, straightforward guidance and a partner who genuinely cares about helping you live the life you want.

Answer:

Minimum Household Fee

We have a minimum annual fee of $2,000 per family, which can be paid from: (1) AUM fees starting at 1%, (2) a monthly retainer fee, or (3) a combination of the two. This fee structure ensures that financial planning is accessible to those who may not have investable assets. Please see “How do you get paid” for more information on our fee structure.

Answer:

Our Fee Structure

As a fee-only financial advisor, my compensation is based on a transparent structure with no commissions or hidden costs. Our fees cover both ongoing financial planning and investment management.

Investment Management Fee

We get paid a percentage of the investments that we manage for you. The annual fee is paid monthly based on the value of your account as of the last day of the billing cycle.

Assets Under Management

Annual Advisory Fee

$0 – $1,000,000

1.00%

$1,000,000 – $3,000,000

0.75%

$3,000,001 – $10,000,000

0.50%

$10,000,000 and Above 

0.25%

Our tiered fee structure means that as your assets grow, your advisory fee decreases, helping you keep more of your wealth over time.

Answer:

We provide you with services that are typically only available to Ultra High Net Worth individuals, for a fraction of the cost. We do this because we believe that you deserve access to great financial advice, no matter what your net worth is.

 

Our services include:

  • Values & Vision discovery
  • Budget & Cash Flow Planning
  • Tax Projections
  • Investment Strategy
  • Insurance Planning
  • Retirement Planning
  • College Education Funding
  • Social Security Maximization
  • Group Benefits Planning
  • Estate Planning
  • Tax Return Analysis
  • Access to Legal & Tax Specialists

Answer:

Simply put, we use personalized strategies that are designed with your life goals in mind. We don’t use blanket, one-size-fits all strategies.

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Give Your Life Some Wings.

Your Confidence and Happiness Matter to Us!

At the end of the day, it’s not just about having a great portfolio or solid financial plan. We want you to walk away feeling confident and happy with the experience that you’ve had. Sometimes all that takes is a little transparency.