Working with EVO
Let’s get to know each other
Confidently Managing Your Finances
Thinking about money isn’t always fun. Your life is busy, and handling your financial situation can seem daunting. Do you even have time for this? You could go at it alone if you really want to, but why try to handle it yourself when an experienced advisor can do it with confidence?
Streamlined Process, No Industry Jargon
EVO has created a streamlined process so you can jump straight to living your best life while we keep an ever-watchful eye on your financial wellness. We offer smart, straight talk with less industry jargon so that you won’t be in the dark. See our Jargon Explainer. With our powerful and easy-to-use tools, including our mobile app, you’ll always be in the know with client articles and video updates.
Step 1: Develop your personalized plan together
Let’s Get to Know You
Every client relationship begins by developing your financial plan. We start by meeting “face-to-face” to really get to know you and develop a clear understanding of your current desires and long-term goals. We follow up with our findings—your life goals, dreams, challenges, risk profile, asset allocation, recommended investments, and more—in an in-depth financial report preparing you for the road ahead. Your financial plan becomes the framework for decisions that follow.
In developing your baseline plan, some of the things we will look at include:
Step 2: Ongoing Financial Planning and Investment Management
A Living Document
Your financial plan is a living document that should be reviewed and updated regularly. Following the initial development of your plan, we provide ongoing management of your investments by a personal adviser who understands you, your family, and your unique goals.
Based on Nobel Prize-winning research*, we offer a fully personalized approach to financial planning and investment aligned with your risk profile and goals. Rather than acting on emotion, our commitment is to help you maintain discipline through market cycles.
How Our Fees Work
We push the boundaries on the Fee-Only standard by offering our services on a flat fee basis. A flat annual fee for all of our services means you know exactly what you will pay us each year. It also means we make decisions based on your needs, not because of kickbacks “the other guys” collect when taking commissions or winning sales awards for trips to exotic destinations.
Our fee is determined by our Flat Fee Schedule but may be adjusted for clients that have more complex planning needs. Our minimum annual fee is $7,500.
Learn More About EVO
The 6 Elements of You-Only Advice
The most important part of You-Only Advice® is that you are at the center of everything we do. You’d think this is a normal practice amongst financial advisors, but unfortunately, it’s not. So what does “You-Only” really mean?
1. No sales commissions, just personalized advice
Our advice is aligned with your best interests, so we do not sell unnecessary financial products just to earn sales commissions. Your trust in us is far more important than a few extra dollars in our pocket.
2. Plans customized to your needs and goals
We are independent, meaning we have no corporate edict, cookie-cutter plan, or products to sell you. So we are free to build custom plans that are appropriate for your needs only.
3. Certified Professionals only
Only a third of the 300,000 “financial advisors” in the US are CFP® Professionals (CFP), which is the standard of excellence in our profession. Our financial planners either hold or are working towards this certification, which means our team is held to the highest ethical and fiduciary standards. Learn more about the CFP certification process here. Read our disclosure.
4. Clear and Simple Fee Structure
There are no hidden fees or cryptic fine-print legal disclaimers. We charge a flat fee for our ongoing financial planning and investment management services. We aim to keep our fees as low as possible so you can keep more of what you make.
5. Less Jargon, more clarity
Wall Street and the insurance industry do a poor job of explaining really important things to people. However, we work hard to clarify terms and talk to our clients with as little jargon as possible.
6. Easier to Get Started and Stay on Track
Getting started on your financial journey can be intimidating. We’ve designed a streamlined system to make it easy with regular check-ins to help you stay on track. In our first year working together, we will have several face-to-face (or screen-to-screen) meetings as we develop your personalized financial plan and implement our recommendations.
After our first year together, our clients have found that meeting once a year for a thorough review helps them know they are on track. And while we work behind the scenes for you throughout the year, you can contact us whenever you have a big life event or need help or information. We’re never too busy to answer your questions!
What is Capitalism With a Conscience?
Over the past two decades, we have seen the capital markets in action as more than two billion people have been lifted out of poverty as countries have embraced markets. However, unchecked capitalism can damage people, societies, and even the environment, so our team at EVOadvisers works at the highest levels in Washington, D.C., with regulators and professional organizations like NAPFA to help make the system better for us all.
Placing Your Interests First
By voluntarily working on a “Fee-Only” basis, we choose to “walk the walk” by not placing our interests ahead of yours and by not recommending products that would earn our firm commissions at your expense. This is how we earn and keep your trust.
Financial Freedom is Possible
We believe financial freedom should be accessible to everyone, So we make resources publicly available through our podcasts and blog posts, which provide insights into pertinent financial planning topics. Most of all, we embrace the idea that money is a means to an end and that our families, communities, and planet matter most.
Trust our You-Only, Fee-Only approach.
There are many types of advisors, and it can get intimidating, but we believe how we do business is in the best interest of our clients, no exceptions.