Our clients are generally active and retired business owners, active and retired corporate executives, families, investment professionals and non-profits.

Because our client relationships tend to last for long periods of time, we invest time into potential client relationships to determine a good fit. As a result, we spend time with each prospective client in two separate meetings (in person or via Zoom, as preferred).

In the first meeting, we thoroughly discuss your objectives, questions and concerns.

In the second meeting, we provide a detailed financial plan with all our recommendations. This lets you “pre-experience” what it is like to work with us. You’ll know exactly what to expect before you decide, including all fees.

Reflect on what is important to you from a financial perspective. Be ready to share your past experiences and concerns. Try to have the best idea about your current and future spending. Be prepared to discuss your willingness to take risk.

There’s no need to come to the meeting clear about answers to these questions. Just allow the thought process to begin. We will work through these and other questions together.

Often spouses have different attitudes and level of engagement with finances. We have found it beneficial for both spouses to attend at least initial meetings and be part of establishing a communication plan moving forward.

Current household spending, specific topics that arise during our initial meeting. Rest assured you’ll know what to gather after we meet. Our objective is to make the process easy.

No. We are a relationship-driven firm. Whether you are referred to us or have found us on your own, don’t let asset size get in the way of exploring a potential fit. We will spend time to understand your needs and concerns, and if we can’t help, we will direct you to the best solution for your situation.

Rest assured, no.

Yes, the team at EverNest serves our clients as a fiduciary. That is, we have chosen to take on a legal obligation to act in our clients’ best interests—nothing less.

We are an employee-owned firm. You will work directly with the principals of the firm, from initial meetings and thereafter, along with other team members. In our team approach, you will always know which team members are your designated points of contact.

We use large, well known independent custodians: Charles Schwab and Fidelity. We don’t take custody of your assets. Rather, our role is to provide financial planning and make investment decisions.

Comprehensive planning and advice, including but not limited to investment management, across your whole financial picture.

As part of our comprehensive work, we often help with business transitions, education planning, charitable giving, generational planning and retirement planning.

Our firm, like most other financial advisors, is prohibited from providing tax advice. We strongly believe in the benefit of coordinating with a qualified tax professional and regularly work with clients’ Certified Public Accountants.

We are forward-looking in our financial planning, and tax considerations are important. We can often spot potential opportunities that fit into your long-term plan that might otherwise be missed. We seek to address opportunities with the least administrative work for you.

Our comprehensive planning includes estate planning, but we do not prepare estate-planning documents or offer other legal services. We will be happy to work directly with your attorney, or recommend one, for aspects that require legal expertise.

No. While protection is an important aspect of our planning process, we are not directly engaged in the sale of insurance. We can either recommend insurance professionals or work with your existing insurance agent.

Potential retirement is a common reason clients come to us. We believe a comprehensive review is the only way to adequately address this important question.

We personally understand and work hard to support the significant responsibility carried by single heads of household. We provide reliable, clear service so you can focus on the important issues in your family. We also work with you to maintain independence so that you won’t have to depend on people who depend on you.

One of our clients once said, “Sometimes it’s not about having the money ready for the kids but having the kids ready for the money.”

We work with next-generation clients at every step of the way, from education around investing when getting their first job at 16 or when they are realizing a successful career or business and building for their own future. We are there to provide personalized advice with a modern approach to wealth management.

While many investment professionals have extremely deep expertise in a particular type of investing such as managing private equity, hedge funds, convertible bonds, focused equity strategies, etc., we can complement their areas of expertise with other types of investments.

Investment professionals are so dedicated to creating outcomes for their clients in a competitive world, they are left with little time to provide the same level of attention to their own and their families’ financial situations.

We employ a range of fund products, from low-cost index funds to actively managed funds with higher fees. Most client assets invested in financial markets are in mutual funds or exchange-traded funds (ETFs).

To the extent we focus on a specific stock for a client it is to diversify away from a concentration issue.

We recommend a mixture of investments after analyzing clients’ goals and their tolerances for unknowns. We typically recommend two or more specific asset managers for each asset class represented in our recommended allocation.

We use a mix of active and passive management, mutual funds and ETFs and may recommend other specialized investments. We may provide counsel regarding investments in funds-of-funds that invest in private equity, hedge funds, and other private placements.

Our investment process is largely quantitative and takes into account research-based inputs and investment committee processes based on years of professional experience. We diversify by sector and remain style neutral for a balance between growth and value. Our large-cap individual stocks are complemented with sector ETFs and quality bias is implemented for established companies with strong cash flow and earnings. We also leverage bonds to stabilize equity risk.

Yes.

Yes. Direction on of retirement accounts is a standard part of our comprehensive financial planning.

No. For clients in need of brokerage and custodial services who would like us to invest on their behalf, we recommend Schwab. However, we do not require use of a particular custodian.

We can also advise on outside assets, such as those held with state 529 plan providers and in employer retirement plans.