Private wealth, coordinated. Not just managed.

A robo-advisor allocates your investments based on a 12-question quiz. That works for the investing piece of wealth — which is maybe a quarter of what private wealth management actually involves. The other three-quarters is tax strategy, estate coordination, business-decision support, behavioral coaching during market events, and the difficult conversation about what your wealth is FOR. That work needs a human who knows you, knows your family situation, and stays with you for decades. We're not competing with the robos on cost. We're solving a different problem.

Work with them. Always. Your existing CPA and estate attorney know your history and your jurisdiction's particulars — we're not in the business of replacing those relationships. What we DO is the coordination most firms skip: making sure your investment, tax, and estate decisions actually align with each other instead of contradicting each other in ways nobody notices until it costs you. Most engagements start with a three-way call between us, your CPA, and your attorney. Most clients tell us afterward it was the first time those three groups had ever been on a call about their finances together.

Statistically, very little — our average advisor tenure is 20 years and our client retention rate is 98%. But the answer to the question matters. If your advisor did leave, your relationship would transition to a team member who already knows your file. Every Premier client is supported by a small team, not a single person. There is no 'reassignment to a junior' scenario at Premier. We don't run that model.

Commissions create a conflict of interest that even the most ethical advisor can't fully neutralize: if you're paid more for selling Product A than Product B, you'll naturally see more reasons to recommend Product A. We don't argue that all commissioned advisors are dishonest — most aren't. We just chose to remove the conflict structurally rather than try to manage it with good intentions. Fee-only means our compensation moves only when your assets do. That's the only alignment we wanted.

No, and any advisor who does is breaking SEC marketing rules. Markets do what markets do. What we CAN do is make sure you stay invested through the years that destroy other portfolios — 2008, 2020, the next one. The biggest wealth destroyer for most HNW investors isn't underperformance. It's behavior: panic-selling at the bottom, missing the rebound, never quite understanding the plan well enough to stick with it. We're worth our fee because we keep clients invested when it's hardest to be invested, not because we promise alpha we can't deliver.

Less than you'd think after the first year. The initial engagement is intentionally intense — a few meetings to build the plan, document every account, and coordinate with your other advisors. After that, most clients spend four to six hours a year with us: a quarterly check-in conversation (30-45 minutes), an annual plan refresh meeting (about two hours), and ad-hoc availability when something changes in your life. We do the work between those touchpoints. Your job is to live your life and tell us when something changes.