1. Are you accepting new clients?

A: Yes, when it is determined that we can add value.

2. What do your services cost?

A: Our rate depends on the size and complexity of the mandate. Some fee structures are tax deductible and some are not, and while we like to compete on value, not cost, it's rare for us to accept a new client if we can not lower their overall cost.

3. Do you have a minimum account size?

A: Yes, but this is mandate specific. We've accepted rather small mandates because it was determined that we could quickly add a significant amount of value, and turned down rather large mandates when it was clear that "fit" did not exist. If you believe you require an exceptionally high level of advice and service, we'd be happy to discuss the pros and cons of working together, and we're always happy to recommend a talented advisor for investors who may not meet our minimum requirements.

4. What does your average client look like?

A: Our clients tend to be "technically minded" professionals like engineers, accountants, and executives who often have complicated pay packages, unique employment arrangements, and pay high amounts of tax.  They also tend to have liquid portfolios above $2 Million or are very serious about getting there. A common thread with our clients is that they're often capable of managing their own wealth, but have chosen not to for very clear and personal reasons.

5. Are you obliged to act in my best interest at all times (in other words, are you a fiduciary)?

A: Yes.

6. Do you accept referrals?

A: Yes. A significant number of new mandates come from existing client referrals. 

7. Do you host speaking engagements?

A: Yes. We're happy to speak to groups on a range of timely topics.

8. Do you travel?

A: Yes, since our clients reside in many different places it's common for us to meet outside of the office.  

9. Are you predisposed to a certain investments?

A: No. All investment advice is custom and unique to the individual. There is no bias toward a particular type of security, asset class or provider.

10. I'm a sophisticated investor and would like advice on hedge funds, structured products, real-estate etc. Do you provide advice on these asset classes?

A: Yes.

11. Will you advise my entire family, even if my children are new investors?

A: Yes, however this is evaluated on a case by case basis.

12. I currently use an advisor. What can I gain from meeting you?

A: It's hard to say. If your current advisor is Warren Buffett, than probably not much.  Otherwise, we only take on a new mandate after a thorough analysis has been completed to determine exactly what can be improved upon. One thing is clear, if we agree to work together, you'll know the benefits well in advance.

13. What credentials do you have?

A: The CFA designation stands for Chartered Financial Analyst and is the global standard in professional wealth management. It is an extremely sought after designation held mainly by portfolio managers and fund managers. 

The CPA designation stands for Certified Public Accountant and is the American equivalent to Canada's former Chartered Accountant (CA) designation (now CPA in Canada as well). 

The FMA designation stands for Financial Management Advisor and is an advanced financial planning designation made up of the Canadian Securities Course, the Personal Financial Planning Course, and the Wealth Management Techniques Course offered by the Canadian Securities Institute. The FMA designation allows wealth managers to provide highly detailed, professional advice on tax, estate, and financial management issues in Canada.

The M.Sc designation stands for Masters in Science and is closely related to the common MBA program. Nicholas completed his Masters in Financial Science and Accountancy degree at The University of Notre Dame in Indiana. This program focused on the more technical aspects of global accounting and finance.