Private Client Service
Discipline Financial Planner ℠
Holistic financial planning & portfolio management for private clients—built around Defined Duration™ asset-liability matching.
What you get
Financial Planning
Comprehensive planning, updated as life changes.
Macro Analysis
Unmatched understanding of macro events and how they impact your life.
Risk Management
Guardrails, drawdown awareness, stress tests.
Estate Planning
Trust & will coordination. Succession planning.
Defined Duration™ ALM
Our unique asset-liability matching strategy, now available for retail investors.
Asset Location
Tax-smart asset placement across accounts.
Cash Management
T-bills & liquidity ladders aligned to needs & managed full-time.
Retirement Planning
Savings targets, withdrawals, Social Security.
How it works
Is it right for me?
High net worth individuals
Your financial life is complex. We make it simple.
Trusts and estates
Multi-generational and succession planning requires personalized planning. Time-based planning is what we do.
Nearing retirement or in retirement
Sequencing risk and cash-flow mapping matter more than ever. This is our bread and butter.
FAQ
What is Defined Duration™ ALM?
We use our customized software combined with a financial planning-based asset-liability matching process to help you undererstand how your assets are tied to specific financial goals. Defined Duration ALM is how we quantify the time horizons of certain assets and then match them to certain financial needs. It's similar to the way most big banks and pension funds operate and we're using our unique macroeconomic expertise to make it available to retail investors.
What is the fee? Do you have account minimums?
The cost of the full service Discipline Financial Planner is a flat $499 per month. We have no firm minimums; we’ll confirm fit during the initial consult and if it isn't sensible for us to maintain a full service relationship we are more than happy to discuss DIY and alternatives. We're here to help!
Can you manage existing accounts at my current custodian?
In many cases yes; we’ll review your custodian setup during onboarding. But in order to take full advantage of our service we generally require Schwab accounts. If you're already at Schwab the process is super clean and you just need to contact us to link your Schwab accounts to our institutional accounts.
How often do we meet?
As often as you'd like. On average, we meet with clients at least once a year and as often as quarterly. But everyone's different and so we'll take it on a case by case basis.
Are you fiduciaries?
While we have our own customized products and software we also truly believe that this form of asset allocation is a better way to do financial planning and asset management. We didn't build this process with the goal of getting rich. We built this process with the goal of solving an obvious problem in finance - the problem of time. So yes, when we make recommendations we always try to do what's in the best interest of the people we are privileged to work with.