Frequently Asked Questions
Questions thoughtful families often ask.
Clear answers matter when you are deciding who to trust with your retirement, investments, and long-term financial decisions.
Who We Work With
We primarily work with thoughtful pre-retirees and retirees with $2M+ in investable assets who want an ongoing advisory relationship. We are generally not the right fit for DIY investors or one-time planning engagements.
Most clients come to us because they want someone to help coordinate the full retirement picture: investments, income, taxes, estate considerations, family priorities, and the decisions that come with life after work.
The first conversation is about understanding each other. We learn what prompted you to reach out, what decisions are ahead, and whether an ongoing relationship is likely to be helpful. There is no pressure or obligation.
Services & Fees
We provide ongoing retirement planning, investment management, retirement income planning, tax-aware strategy, estate coordination, and long-term decision support. The goal is to help you make thoughtful financial decisions over time, not simply create a one-time plan.
Our fee is based on assets under management, on a tiered, blended schedule — as assets grow, the incremental tiers bill at lower rates. It is our only compensation: no commissions, no product revenue, no hidden charges. You will see the schedule in writing, and we will walk through it together, before any engagement begins. The full tier-by-tier schedule is published on our Process page. And we hold ourselves to a simple test: we should only work together if we genuinely believe we can create more value than we charge.See the full fee schedule on the Process page →
No. Considerate Capital is a fee-only Registered Investment Advisory firm. We do not receive commissions or hidden product compensation.
Custody & Safety
Client assets are typically held at Charles Schwab, an independent third-party custodian. Considerate Capital does not directly custody client funds or securities.
No. We can manage investments in client accounts, but we do not have authority to move money to ourselves or to third parties unless the client has expressly authorized those instructions through Schwab. Schwab controls money movement through its own account procedures and verification process.
Schwab provides account safeguards, transaction review procedures, and custodial protections, including SIPC protection subject to applicable limits. These protections do not protect against investment losses, but they are part of the custodial framework designed to help protect client assets.
A first conversation
Sometimes the best next step is the simplest question.
We work with a small number of families. The first conversation is informational only, no obligation, no pressure.