We offer financial planning as our core service and charge hourly (or per six-minute increment) at a tiered hourly rate. Our clients only pay for the time they spend meeting with us, NOT the time we spend working on their plan. We have no requirements of minimum hours or recurring meeting frequency.

Overwhelmingly, our clients are physicians at various career stages (including retirees). Physicians have a demanding and bandwidth-consuming profession, often start saving much later in life, and are often loaded with high student debt that competes for their savings capacity. At the same time, due to their high earning profession, they are a prime target of financial professionals, some of whom are pursuing their own interests. These factors make physicians the perfect clients for our model of simplicity, transparency, and avoidance of conflict of interest.

Anything that relates to money, in the present or in the future. This includes saving for retirement, tax planning (importantly: we are not tax filers), safety nets such as life and disability insurance coverage, estate planning (importantly: we are not estate attorneys), cash and liquidity, income planning, and more.

We can provide an unvarnished and unbiased opinion on your financial situation and how your financial advisor is doing. Based on our business model, we have little interest in you firing a competent financial advisor. So if your advisor is doing well on your behalf, we will share our opinion and give you peace of mind. On the other hand, if necessary, we will arm you with important education and insight that will ensure you can adjust your course before it is too late.

Likely, yes! If you don’t, we will be able to determine that in our no-cost introductory call. (Most of our clients are like you, by the way!).

We review your investments, and the accounts they are held on, and identify potential improvements if necessary. Most of our clients utilize our advice and implement it by themselves. Some have chosen to give us limited power of attorney (currently available only at Charles Schwab Company) for us to trade on their behalf (reallocation, rebalancing, dollar-cost averaging, tax harvesting), as well as perform inter-account journaling (such as Roth Conversions), and systematic transfers (such as income distributions or regular savings).

We believe passive index investing is the best way to harvest what the markets can give you. We believe reducing fees (management and expense ratio) is a 100% sure way to increase your return over the long term, whereas outperformance through active investing is a low-odds endeavor based on a lot of factors outside our control. Our philosophy is to not play a game we have low or no chance of winning.

You will work directly with our founder, Ilir Shkurti. We are a one-person shop for the foreseeable future, so we expect that to be the case for as long as you work with us.

Our founder and principal practitioner, Ilir Shkurti, holds a Chartered Financial Analyst designation and is fully licensed and credentialed as a financial planner.

We are located in Birmingham, Michigan. However, we practice virtually, so where you live or where we live should not be of much relevance.