Approach
A process you can see,
and a fee you can read.
Every engagement follows the same four stages, and every recommendation comes with its cost and its reason.
Four stages
From first call
to a written plan in eight weeks.
Weeks 1–2
Discover
We learn your goals, gather statements and map every account, policy and obligation.
Weeks 3–5
Plan
You receive a written plan with each recommendation, what it costs and why we make it.
Weeks 6–8
Implement
We open and move accounts, coordinate with your CPA and attorney and set up reporting.
Every year
Review
Two full reviews a year, a tax projection each fall and a call whenever life changes.
Fee-only
How you pay us
changes the advice.
How an advisor is paid shapes the advice. Here is how we compare, line by line.
Typical commission-based advice
Paid by the products they sell.
✕
Fees hidden inside fund costs
✕
“Suitability” standard, not fiduciary
✕
Tax planning as an afterthought
✕
A different contact every year
Averline
Paid only by you, in writing.
✓
One transparent fee, in dollars
✓
Fiduciary on every account, every call
✓
A CPA reviews every plan
✓
One lead advisor who knows your file
Investment philosophy
Low cost, diversified,
tax aware.
We do not try to predict markets. We build portfolios of low-cost funds, place them in the right accounts and rebalance by rule.
01
Diversified
Thousands of companies and bonds across regions, not a few bets.
02
Low cost
Average fund expense of 0.08%, so more of the return stays with you.
03
Tax aware
Asset location, loss harvesting and careful withdrawals.
04
Tied to your plan
Risk is set by your goals and timeline, not by headlines.
