Frequently Asked Questions

AI and Technology

Do you use AI in your financial planning process? 

Yes, but only as a support tool. We use AI to help with research, improve internal systems, and spot opportunities faster. Every recommendation still comes from a human advisor who understands your full financial picture.

What tools do you use to enhance the planning experience? 

We use Holistiplan for tax analysis, RightCapital for collaborative planning, Knudge for accountability, and ChatGPT for drafting workflows and streamlining communication. These tools help us stay proactive and focused on what matters most.

Will AI ever replace human financial advisors? 

No. AI helps with speed and structure, but it lacks context, values, and judgment. Financial planning is deeply personal and always requires a human thinking partner who understands the full picture of your life.

Working With Memento

What is the Memento Snapshot? 

It’s a free, two-meeting process designed to explore whether we’re a good long-term fit. In the first meeting, we talk about your goals and what you’re navigating. If we agree to proceed, you’ll link your accounts and upload documents. In the follow-up, I’ll walk you through insights and outline how we’d work together.

Who do you typically work with? 

We work with high-earning dual-income households, often in their 30s or 40s, who are navigating equity compensation, excess cash flow, and lack of time to manage it all. Most have hit a “DIY expiration point” and want guidance, accountability, and clarity.

How often will we meet? 

We meet three times per year—in Winter, Spring, and Fall—with a Summer update delivered via Loom. You can also reach out anytime between meetings to check in or ask questions.

Services and Fees

Do you manage investments or just provide advice? 

We do both. Most clients delegate investment management to us using globally diversified, low-cost portfolios. We also provide comprehensive financial planning. These two services are deeply integrated.

How do you charge? 

We charge a flat quarterly fee based on 1% of your assets under management, measured as of December 1 each year. This fee is locked in and billed quarterly in advance. The annual minimum is $6,000 and the maximum is $12,000.

This model provides transparency and stability, while avoiding the incentives of traditional asset-gathering approaches.

What’s included in that fee? 

Everything. Investment management, financial planning, equity compensation strategy, tax analysis, and regular review meetings. You’ll never be surprised by add-on fees.

Getting Started

What if I don’t have everything organized yet? 

That’s completely normal. Many clients come to us feeling behind or unsure. Our job is to help you get clear and build a system that works for you—no judgment, just progress.