Services & Fees

Through Verbatim, I provide full-service comprehensive financial planning and investment management. I serve clients nationwide, and my services include, but are in no way limited to, those listed below.

I encourage you to choose the service that fits where you are in your life, not what your friends, family, or social media influencers think you need. I am biased in that I believe most people can benefit from my help, but financial advice is far from one size fits all.

I also bring a lot to the table as an advisor, if I don't say so myself. Statistically, it's just a fact that very few financial advisors have the type of background that I do and experience that I can bring to bear in helping my clients. Let's just say that it's not a normal thing to find someone like me working with, "normal," people. That being said, there are things I'm not an expert on, and if these are your main goals, perhaps I may not be the right advisor for you.

Why you might not want to work with me, subject specific:

• Although I completed H&R Block's Income Tax Course before launching my RIA & keep abreast of tax policy because it's an integral part of fiancial planning, I do not prepare client tax returns. I believe my expertise is better applied elsewhere.
• I am not an expert in rental real estate or the tax issues surrounding that. While I advise clients from time to time on small holdings, if it's a major part of your personal plan, I may not be the right advisor for you.
• I help clients with children plan how to save for education, but I am not an expert on FAFSA or loan forgiveness plans.
• I do not have expertise on cross border issues such as taxation or other dual-citizen topics.
• I keep abreast of crypto, stablecoins, etc., but it is not an area of focus for me.
  

Why you might not want to work with me, "other:"

• While I always respond to clients on a timely basis on emergent or time sensitive issues, at other times my responses may be slower due to the fact that I am a sole practitioner who has primary childcare responsibilities for our 7th grader and try to shoulder a fair burden of household work, given my wife's demanding work schedule. I have partnered with XYPN Sapphire to handle much of the firm's back office work so I can concentrate on client work, but if you email me with a question, it is often going to be the case that I cannot drop everything in order to reply immediately (especially given that many typical questions require me to review the details of your finances, potentially do other research, etc.). If super speedy replies are very important to you, a larger firm may be a better fit.
• I can not always answer unscheduled phone calls. Again, if you’re looking for somebody who can always provide extremely quick answers, a larger firm (with employees whose full-time job is to answer the phones) may be a better fit for you than a sole practitioner.
• I do not recommend asset allocation or investment options to try to outperform the market. If you are looking to squeeze every possible basis point of return from your portfolios, I won't be the advisor for you. I value client peace of mind over maximized returns.
• On a personal basis, I tend to get along with everyone, but I am also open with my beliefs online, political & otherwise. If you are worried that one day you may see something I post that you don't agree with and that might make you uncomfortable, I may not be the advisor for you. Just know that your beliefs won't make me uncomfortable & I work just as hard for every one of my clients, not just the ones who are just like me.