Are you a fiduciary?

Yes, we are an independently operating fiduciary. We always act in your best interest and provide comprehensive advice with no pressure to make certain recommendations. 

What are your qualifications and certifications?

In addition to having relevant education, professional and academic experience, we hold industry designations focused on tax-efficient financial planning & investment management: 

• CFP® - CERTIFIED FINANCIAL PLANNER®

• RICP® - Retirement Income Certified Professional®

• EA - Enrolled to represent taxpayers before the IRS

How do you get paid?

We are "fee-only," which means we don't sell products for commission and don't receive any form of compensation from anyone other than you. The fee we charge is a flat annual fee that is NOT a percentage of the size of your investable assets. We believe this reduces conflicts of interest and allows for more flexibility.

What is your investment philosophy?

We don't speculate on market movements; instead, we build portfolios by focusing strictly on the variables we can control. We structure globally diversified portfolios along the academic dimensions of expected returns while managing expenses, turnover, and taxes. This scientific approach is mapped directly to your personalized risk tolerance.

How often will we meet?

After onboarding, we plan for two dedicated meetings per year where we update the financial plan and discuss tax planning, but we are available for additional meetings or questions whenever the need arises. 

What types of clients do you typically work with?

We tend to do our best work with people who are in-or-near retirement and small business owners. 

Where will my investments actually be held?

We use Charles Schwab as custodian for the majority of client assets unless specifically requested otherwise by the client. Janus Financial Planning never handles the assets directly.