Yes — always, on every account, with no exceptions. As an SEC-registered investment adviser we’re held to a fiduciary standard, which means we’re legally obligated to act in your best interest at all times. We’re not a broker, and we don’t switch hats depending on the product.

We’re fee-only. We charge an asset-based advisory fee, billed quarterly, and that’s our only compensation from your account. We don’t earn commissions, we don’t sell products, and we have no performance-based fees. Our incentives are aligned with yours: we do better when your portfolio does better.

An independent qualified custodian — typically Charles Schwab. We never take possession of your assets. You open the account in your name, you can see everything Schwab sees, and we have authority to manage the investments but not to withdraw your money for any purpose other than our agreed advisory fee.

Our stated minimum is generally negotiable, and we work with serious long-term investors. The most productive first step is a short conversation about your situation — if we’re not the right fit, we’ll tell you.

No. We transfer your existing positions in-kind through the standard ACAT process, then build into your target allocation gradually — and tax-consciously. We flag embedded gains and tax-sensitive holdings before we touch them, so the transition doesn’t trigger an avoidable tax bill.

Deep-value investing. We buy quality businesses at sensible prices and hold them until the thesis no longer holds, with an emphasis on free cash flow over reported earnings. For income, we use a conservative covered-call and cash-secured-put overlay on select positions. We don’t chase, and we don’t try to time the market.

At least quarterly — a real portfolio review, not a marketing email. Outside that cadence you can reach us anytime by phone or email, and you’ll get a real person, not a call center or a portal.

Always. You’ll work directly with Tim and the team. We answer our own phones, and we think that’s a feature, not an inefficiency.

Our Form ADV Part 2A and Form CRS are available on request and through the SEC’s public IAPD website. They lay out, in the SEC’s language, who we are, how we’re paid, what conflicts we have, and our disciplinary history.