We're a boutique, owner-led practice — which means you work directly with Mark and his support team, not a rotating cast of advisors coming and going. Mark has spent 27 years building a practice around one conviction: that clients deserve straightforward, conflict-free guidance from someone who has real skin in the game. We're small by design. That's a feature, not a limitation.

Yes — always. As a fee-only, independent advisory team, we are legally and ethically obligated to act in your best interest at all times. There is no product focus, sales contests or hidden incentives. You and your family’s outcome are our primary concern.

Our fees are straightforward and structured to align our interests with yours.

For asset management, we charge an annual fee ranging from 0.5% to 1.5% depending on the size of the relationship — and the rate declines as your wealth grows. Industry averages for comparable advisory services run noticeably higher. We think that's backwards. Clients who have worked hard to build significant wealth should pay less, not more.

Financial planning fees vary by engagement. We offer a one-time retirement planning engagement as well as ongoing planning and coaching relationships with monthly access, accountability, and structured guidance. Planning fees are reduced — and often eliminated entirely — for clients who also have assets under management with us.

There are no hidden fees, no commissions driving our recommendations, and no surprises. What you see is what you get.

If you'd like to understand exactly what your cost would look like, we're happy to walk through it in a no-obligation conversation.

Flat-fee planning means you’re paying for advice, not activity.

The planning fee is set based on the level of guidance and service you need—not on transactions, products, or how often we make changes. That allows us to focus on what actually improves your financial life: better decisions, clear strategy, and consistent follow-through.

Now, here’s where it matters:

• No pressure to “do something” just to justify a fee

• No incentive to move money unnecessarily or add complexity

• Advice stands on its own—whether or not you invest with us

At the same time, as your asset relationship grows, planning fees are reduced or even eliminated. That reflects the reality that we’re already being compensated for overseeing those assets.

We’re a small, focused team by design—but with broader depth behind the scenes.

You’ll work directly with Mark Metzger, the firm’s owner, as your lead advisor. He is responsible for your strategy, major decisions, and overall direction.

Alongside him is Ethan Edwards, a financial advisor on our team who supports planning, research, and ongoing analysis. He’s actively involved in client work, which gives you another set of eyes on your situation and helps us stay proactive.

Ron, our Client Service Director, handles the operational side—account coordination, paperwork, and making sure nothing falls through the cracks. He’s often your first call for anything administrative.

Beyond our internal team, we’re affiliated with Cambridge Investment Research, which provides the platform, compliance oversight, and resources behind everything we do.

We’re also part of TAG Advisors, a community of over 400 advisors who collaborate in areas like tax strategy, retirement income planning, and specialized cases. That gives us access to shared expertise without adding layers of bureaucracy.

So while your relationship stays personal and direct, the depth behind it is much broader.

The CFP designation is an important one. Over the last 20 years it has become an industry standard for ensuring a higher level of competency — and we respect what it represents.

Mark Metzger began his career 27 years ago, well before the CFP became the industry benchmark it is today. Over those decades, Mark has hired, fired and worked alongside CFP-designated advisors and understands firsthand what the designation requires, its limitations and what it signals. He holds Series 7, 63, and 65 licenses — the foundational regulatory credentials for comprehensive investment advisory and financial planning work.

The knowledge base the CFP covers — financial planning, tax strategy, retirement income, investment management, estate coordination, insurance — represents the core of what our team has practiced and refined daily for nearly three decades.

What many people don't realize is that earning the CFP isn't simply a matter of sitting for an exam. It requires completing an accredited education program that typically demands a two-year commitment of coursework alongside an already-demanding career. Mark fully encourages — and expects — younger advisors early in their careers to invest that time and effort. It's absolutely worth it at that stage, and we actively support that path for our team. You may expect that every young advisor we bring onto our team is currently working toward or already has their CFP designation.

For Mark personally, with two thriving businesses, a full family life, and 27 years of applied mastery across every discipline the CFP covers, that two-year classroom commitment isn't the highest and best use of the time he owes his clients.

The competency the CFP is designed to ensure is something Mark brings to every client relationship — earned through decades of real-world practice. We'd rather spend that time serving you well.