People First Financial Advisors

Plan with Purpose, Live Intentionally.

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.

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:

Our Fee Structure

As a fee-only financial advisor, we are compensated directly by our clients — never through commissions or product sales.

Most clients hire us for comprehensive wealth management, which includes both financial planning and investment management.

We charge an annual advisory fee based on the assets we manage:

Assets Under Management	Annual Advisory Fee
$0 – $1,000,000	1.00%
$1,000,000 – $3,000,000	0.85%
$3,000,001 – $10,000,000	0.75%
$10,000,000 and Above	0.65%

This fee is billed monthly and decreases as your assets grow.

All new clients begin with a one-time financial strategy and implementation process:

$2,000 (Core Planning)
$4,000 (Advanced Planning)

For those not ready to delegate investment management, we also offer a monthly planning membership that provides ongoing advice and retirement strategy without managing investments.

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:

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

How do you get paid?

Answer:

Our Fee Structure

As a fee-only financial advisor, we are compensated directly by our clients — never through commissions or product sales.

Most clients hire us for comprehensive wealth management, which includes both financial planning and investment management.

We charge an annual advisory fee based on the assets we manage:

Assets Under Management	Annual Advisory Fee
$0 – $1,000,000	1.00%
$1,000,000 – $3,000,000	0.85%
$3,000,001 – $10,000,000	0.75%
$10,000,000 and Above	0.65%

This fee is billed monthly and decreases as your assets grow.

All new clients begin with a one-time financial strategy and implementation process:

$2,000 (Core Planning)
$4,000 (Advanced Planning)

For those not ready to delegate investment management, we also offer a monthly planning membership that provides ongoing advice and retirement strategy without managing investments.

What services do you offer?

Answer:

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

How do I align my values with my money?

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.

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.