Frequently Asked Questions

Yes, we act as a fiduciary at all times, affirming this commitment to you in writing. Our approach is guided by the Real Fiduciary™ Practices from the Institute for the Fiduciary Standard, which focus on the three core advisory duties: Loyalty, Due Care, and Utmost Good Faith.

Loyalty: We are steadfastly devoted to your best interest, declining any sales-related compensation and avoiding conflicts of interest whenever possible.

Due Care: Our advice is backed by a prudent process, professional skills, and relevant expertise. We hold recognized designations and maintain ongoing education to ensure we offer you the best advice possible.

Utmost Good Faith: We act with honesty, integrity, and transparency at all times, ensuring that you fully understand any agreements, disclosures, and the implications of our advice. By adhering to these principles, we separate ourselves from advisors who merely talk like a fiduciary, ensuring that we act in your best interest at all times

Ensuring the safety and security of your assets is a top priority for us. Here are the multiple layers of protection we have in place:

FDIC and SIPC Protections: We work with Altruist, a platform that provides both FDIC and SIPC protections. FDIC insurance covers up to $250,000 per depositor, per institution, while SIPC protects up to $500,000 in securities and cash, including a $250,000 limit for cash.

Errors and Omissions Insurance: Our firm maintains errors and omissions insurance to provide an additional layer of protection against any inadvertent mistakes or oversights in the management of your accounts.

Contingency Planning: We have robust contingency plans in place to ensure the continuity of our services in various scenarios, safeguarding your assets and financial plans against unforeseen events.

Secure Vault and Encrypted Software: We use state-of-the-art planning software with encryption to protect your data.

Additionally, we store important documents in a secure vault, further enhancing the safety of your information. By implementing these measures, we aim to provide you with peace of mind, knowing that your money and financial information are secure.

Absolutely, you don't need to be located in or around Lake Tahoe to benefit from our services. We serve clients nationwide and offer virtual consultations, making it easy for you to access our financial life planning services no matter where you are located.

Our technology-driven approach ensures that you receive the same high-quality advice and personalized service as our local clients. So, whether you're across the state or across the country, we're here to help you achieve your financial goals.

While it's not a requirement to move all your accounts under our management, we highly recommend it for a seamless financial planning experience. Having all your accounts with us allows for greater visibility, enabling us to provide more accurate and timely advice. It also simplifies the process of making any necessary changes to your financial strategy. This holistic approach ensures that we're always prepared to assess your complete financial picture. Some clients choose to maintain separate trading or 'gambling-type' accounts, and that's okay—as long as it's a small part of your overall financial landscape.

Yes, you have the flexibility to cancel our services at any time. We charge quarterly in arrears, meaning you pay for the services you've already received over the past three months. If you decide to cancel, we'll prorate your fee to ensure you only pay for the days we were in partnership. Additionally, if you choose to cancel within the first 90 days, we won't charge you at all. We believe in creating a win-win partnership and earning your trust through the value we provide.

Holistic Financial Life Planning: Comprehensive planning that aligns your financial goals with your life's purpose, values, and objectives.

Investment Management: Customized investment strategies aimed at achieving long-term financial goals, with a focus on risk management.

Real Estate Investment Planning: Specialized advice for real estate investors, addressing the unique challenges and opportunities in this sector.

Retirement Planning: Strategies to ensure a comfortable and financially secure retirement, including IRA, 401(k), and other retirement account management.

Tax Planning: Proactive approaches to minimize tax liability and maximize after-tax returns, in alignment with your overall financial plan.

Estate Planning: Assistance with wills, trusts, and other estate planning tools to ensure your assets are distributed according to your wishes.

Cash Flow and Budgeting: Tools and advice to manage your cash flow effectively, helping you achieve both short-term and long-term financial goals.

Online Courses: Lessons available at learn.wealthinyourself.com, offering financial education, calculators, wellness scores, and exclusive coaching at discounted rates.

Pro-bono Services: Partnering with organizations like 3rd Decade to offer free financial planning services to qualifying individuals.

Generational Wealth-Building Team: A deep bench of experts including financial life planners, financial therapists, executive coaches, marketing professionals, tax professionals and specialists, bookkeepers, and estate planning attorneys to assist business owners and real estate investors.

Commitment to Accessibility:

We believe that financial planning should be accessible to everyone, regardless of their financial situation. That's why we offer multiple ways to partner with us, ranging from free resources to comprehensive financial planning services.

Free Content:

We provide a wealth of free content, including book recommendations, episodes of the Wealth In Yourself Podcast, and informative blog posts to help you take control of your financial future.

Online School:

Our online platform, learn.wealthinyourself.com, offers financial education, calculators, wellness scores, and exclusive coaching at discounted rates.

Subscription options are available:

Basic Tier: $49 per month or $490 per year

Premium Tier: $99 per month or $990 per year, includes additional services and planning

Individual Partnership:

For those seeking more personalized guidance, we offer individual partnerships. Our fees are based on your net worth and are charged as a flat fee that remains constant, ensuring transparency and simplicity.

Billing Method:

We charge a flat fee based on your net worth, billed quarterly in arrears. This fee remains constant and does not increase when the market goes up, aligning with our belief in earning your trust through the value we provide.

Generational Wealth-Building Team:

For clients with more complex financial needs, such as business owners and real estate investors, we offer a generational wealth-building team comprised of experts in various financial disciplines.

Prorated Fees:

If you decide to cancel our services, your fee will be prorated to ensure you only pay for the days we were in partnership. Additionally, if you choose to cancel within the first 90 days, we won't charge you at all.

Transparency:

We believe in full transparency when it comes to fees. All fee structures are clearly outlined in our client agreements, and we are always available to discuss any questions you may have about billing.

Holistic, Life-Centered Approach:

Unlike traditional financial advisors who focus solely on numbers, we take a holistic, life-centered approach to financial planning. We align your financial goals with your life's purpose, values, and objectives.

Flat Fee Structure:

We offer a transparent, flat fee based on your net worth. This fee remains constant and does not increase when the market goes up, ensuring that our interests are aligned with yours and eliminating potential conflicts of interest.

Commitment to Accessibility:

We believe that everyone should have access to quality financial planning, which is why we offer a range of services from free content to comprehensive financial planning.

Expert Team:

Our generational wealth-building team comprises experts in various financial disciplines, providing a one-stop solution for complex financial needs.

Certified Professionals:

Our team includes Certified Financial Planners and Certified Financial Therapists, ensuring that you receive expert advice and emotional support around money.

Educational Resources:

Through our online school, learn.wealthinyourself.com, we offer financial education, calculators, wellness scores, and exclusive coaching at discounted rates.

Quarterly In Arrears Billing:

We charge for services already received, aligning with our belief in earning your trust through the value we provide.

Nationwide Service:

Though headquartered in Lake Tahoe, we offer virtual services to clients nationwide, ensuring that you can access our expertise no matter where you are.

Pro-bono Services:

We are committed to giving back to the community through partnerships with organizations like 3rd Decade, offering free financial planning services to qualifying individuals.

Real Fiduciary Pledge:

We adhere to the Real Fiduciary™ Practices from the Institute for the Fiduciary Standard, affirming our commitment to act in your best interest at all times.

Absolutely, we specialize in helping individuals at all stages of their financial journey, including those who are new to financial planning. Our approach is designed to be educational and empowering, ensuring you understand each step of the process.

Commitment to Education:

We offer a wealth of free content, including book recommendations, podcast episodes, and blog posts, to help you get started on your financial education journey.

Online School:

For a more structured learning experience, you can subscribe to our online platform, learn.wealthinyourself.com. Here, you'll find financial calculators, wellness scores, and exclusive coaching at discounted rates.

Individual Partnerships:

If you're looking for personalized guidance, we offer individual partnerships where we align your financial goals with your life's purpose and values. Our flat fee structure ensures transparency and simplicity, making it easier for you to take the first step.

No Question Too Small:

We encourage open dialogue and are here to answer any questions you may have, no matter how basic they may seem. Our goal is to make financial planning accessible and understandable for everyone.

So, whether you're just starting out or looking to refine your financial strategy, we're here to guide you every step of the way.

The frequency of our consultations varies based on your specific needs and circumstances. Here's what you can generally expect:

Initial Onboarding:

During the first 100 days of our partnership, we typically schedule 5-6 meetings, spaced a week or two apart. These meetings are crucial for establishing your financial goals, gathering necessary information, and beginning the implementation of your personalized financial plan.

Quarterly Check-ins:

The need for quarterly meetings will depend on your individual situation and how much is changing in your life. While some clients benefit from regular quarterly check-ins, others may find them less necessary.

Annual Review:

We require at least one comprehensive annual review meeting to assess the past year's performance, revisit your long-term goals, and make strategic adjustments for the year ahead. This meeting is essential for us to stay updated on any changes in your life that may impact your financial plan.

As-Needed Basis:

Life is unpredictable, and financial questions can arise at any time. We're available for additional meetings or calls as needed to address any immediate concerns or opportunities.

Virtual Consultations:

For our clients who are not local to the Lake Tahoe area, we offer virtual consultations to ensure you receive the guidance you need, no matter where you are located.

Our goal is to provide you with ongoing, personalized financial guidance, so you always have the support you need to make informed financial decisions.

Yes, we absolutely offer remote consultations to accommodate the diverse needs of our clients, whether you're located near Lake Tahoe or anywhere else in the nation.

Virtual Consultations:

We use secure, state-of-the-art video conferencing tools to ensure you receive the same level of service and attention as you would in an in-person meeting.

Phone Consultations:

For those who are busy or experiencing Zoom fatigue, we also offer consultations over the phone. This allows us to maintain a high level of service without requiring you to be in front of a screen.

Flexible Scheduling:

Both virtual and phone consultations offer greater flexibility in scheduling, making it easier for you to fit financial planning into your busy life.

Secure Document Sharing:

We utilize a secure vault and encrypted planning software to safely exchange documents and sensitive information, ensuring that your data is always protected.

Consistent Communication:

Whether we meet in person, virtually, or over the phone, our goal remains the same: to provide you with ongoing, personalized financial guidance so you always have the support you need to make informed financial decisions.

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Whether you're new to financial planning or looking to deepen your knowledge, the Wealth In Yourself Podcast offers something for everyone.