Our Process

Here is what you can expect working with us.

Our Process

Here is what you can expect working with us.

The state of “not knowing where you stand financially” can be stressful. We want our clients to feel differently from the moment they walk through the door. Here is how that will look.

Exploration Meeting: Time to ReDiscover
The process begins when we sit down to explore what is most important to you. Some clients have a clear understanding of their money worries and goals. Others have never considered that side of financial decision making before. In this exploration meeting, we become your thinking partner as we talk through your life today, the transitions you anticipate in the future, and the resources you have accumulated to make it all happen.
Design Phase: Time to ReImagine
Your finances grew organically over the years as you worked, saved, and invested for the future. Now is the time to reimagine it with intention. Our team will work together to prepare a comprehensive analysis that covers every aspect of your financial life. Think of it as a plan for your money that revolves around your values, your goals, and your vision.
Sharing Meeting: Time to ReCommend
In this collaborative meeting, we present our analysis and discuss your options. It all begins with an easy-to-understand summary of where you are today — and a confirmation of where you want to go. As with any journey, there are many ways to get to your destination. Together, we outline the possibilities, decide what changes are necessary, and define priorities. Our goal is to allow you to walk away with a fresh perspective and a clear understanding of what needs to happen next.
Implementation Meeting: Time to ReAlize
At this meeting, our work together can begin in earnest. The ReFrame Wealth team will review your decisions and set your comprehensive financial roadmap into action. If your plan requires coordination with other professionals, we will make the introductions and bring them into the process at the right time.
Ongoing Support: Time to ReView
With the initial plan set into action, the ReFrame Wealth team will transition into ongoing support, maintenance, and advanced planning. Your life doesn’t stand still, which is why even the best plan will need revisions as we move forward together. The ReFrame Wealth team will monitor the markets, tax law changes, and emerging best practices so that our advice continues to be in your best interest. Expect periodic review meetings with your advisor — and just-in-time answers for all those questions in between the meetings.
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Frequently Asked Questions (and Answers!)

Fee-only means that, as a true fiduciary, we have endeavored to eliminate any and all conflicts of interest that surround some of the common compensation arrangements in the industry. We believe that simple and transparent fees result in fewer distractions to us — and better advice for you. The ReFrame Wealth fee is calculated as a percentage of the assets that we advise on. This fee covers investment management, financial planning, and elder care consulting (including the partners that we use in our planning and investing process). Your fee is automatically deducted from your investment account every quarter; you do not get a separate bill for these services. We do not charge an hourly rate. We have no ties to financial product companies and do not accept commissions or kickbacks for recommending certain investments over others.

Charles Schwab & Co., Inc. (“Schwab”), a FINRA-registered broker-dealer and member SIPC, is the preferred custodian we utilize for our clients. We selected Schwab as the custodian for our client’s assets based on their long history of serving investors, as well as their extraordinary commitment to data security and privacy.

No. Your bank’s Federal Deposit Insurance Corporation (FDIC) protection covers up to $250,000 in your bank deposit accounts, including checking and savings accounts, money market deposit accounts, and certificates of deposit. It does not cover money invested in stocks, bonds, mutual funds, life insurance policies, annuities, municipal securities, or money market funds. Assets in your brokerage account (up to $500,000, of which up to $250,000 may be claims for cash) are covered by Charles Schwab & Co., Inc’s Securities Investor Protection Corporation (SIPC) protection. SIPC protection covers stocks, bonds, Treasury securities, certificates of deposit, mutual funds, and money market mutual funds held at a SIPC member firm. It does not cover investment losses or investments in commodities, futures, fixed annuities, currencies, hedge funds, or investment contracts (e.g., limited partnerships) not registered with the United States Securities and Exchange Commission (SEC).

Yes. We built ReFrame Wealth to provide fiduciary advice bound by the standards of both the SEC and the CFP(R) Board. There is no circumstance in which we step away from the fiduciary standard. We embrace our legal obligation to deliver financial advice that is in our client’s best interest — at all times, without exception.

No. However, if you are working with more than one financial planner, you become responsible for managing what each one of them does — because you are the only person who holds all the information. One planner’s recommendations may conflict with what another planner is doing. Or, their recommendations may be redundant. The only way to avoid this is to have one team that understands all of your goals, circumstances, and decisions.

Yes. We offer investment options that match your values. We can build portfolios that are aligned with environmental, social, and governance (ESG) values. We believe that every investment has the potential to be impactful — and take pride in helping our clients vote with their dollars while making progress toward their financial goals.

No. Offering those types of products directly to our clients would disqualify us from running a true fiduciary fee-only firm. If your comprehensive financial plan indicates a need for insurance, annuity, or a mortgage, the ReFrame planners can introduce you to a vetted professional outside of our firm — and walk alongside them to ensure that you are taken care of. We do not receive any payment related to insurance, annuities, or mortgage products that you choose to buy. 

Yes! At ReFrame Wealth, we want you to be in the driver’s seat. You can request to work with the financial planner that you feel most comfortable with. 

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