How do I know I can trust you with my money?

We believe your family deserves a trusted partner, not just an advisor.  Garrick Updegraph holds a CFP, which is the highest industry designation with strict ethical and fiduciary requirements.  Further, our work is guided by transparency, integrity, and your best interest - always. 

Are you a fiduciary, and will you always act in my best interest?

Yes, as fiduciaries we are legally and ethically bound to put your interests and goals first. Moreover, you are always in control and all transactions must be pre-approved by you.  We will make recommendations based on your goals, however, you make the decisions. 

What services do you offer besides investments?

Think of us as your Family CFO—a partner who helps you manage all aspects of your financial life, not just your investments. Our complete financial planning process covers tax, estate, retirement, college, and goal planning, as well as debt, income, insurance, and asset analysis. You’ll see your full financial picture in one place and can use our interactive tools to model how different choices affect your future.

How much do you charge?

Our fee structure is simple and transparent.  We charge a fixed percentage of the portfolio's value that is billed quarterly.  This fixed percentage decreases as the portfolio's value increases. 

Will you create a plan specific to my situation, goals and values?

Yes! This is the foundation of everything we offer to our clients. Your financial plan is personalized to meet your unique needs, family, and goals for the future.

How do you invest?

Our aim is to provide you with a disciplined strategy to weather all markets. We focus on smart, diversified and evidenced-based investment strategies - not fads or speculation. Our approach is built to help you grow wealth steadily while protecting against major risks. 

Will I have enough money to retire comfortably?

We help create a clear plan to best position you to retire with confidence and thrive in this stage of life.  In addition, through our technology we can stress test your portfolio and run various scenarios so you can clearly visualize the impacts of different choices on your retirement picture.  

How will you help me reduce taxes now and in retirement?

Through proactive tax strategies, and innovative technology, we help you minimize your tax burden now and in retirement.  Further, we coordinate with your tax preparation professionals to ensure every dollar is working hard for you. 

How often will we meet and how do I track my progress?

 At minimum we will meet once per year for an annual strategy review.  Moreover, our goal is to build a relationship with you through concierge level service and regular check in calls throughout the year.  In addition, you will have 24/7 access to your portfolio's performance. Plus, you have complete access to your interactive financial plan, online and through an app on your phone, which tells you where you are relative to your goals in real time. In the end, the type and frequency of contact between you and us, will largely be shaped by what makes you feel most confident about your financial future.

How will you protect me from big losses or unexpected events?

We can't predict the future, but we can prepare for it. A significant part of our planning process includes hedging strategies, contingency plans and stress-testing your portfolio, and on the asset protection side, comprehensive insurance reviews, to prepare for life's "what ifs".  Protecting your wealth, your family and your future is our highest priority.