Yes.

This means that I am legally and ethically bound to act in the best interests of the client at all times when providing financial advice and financial planning.

We are only paid by our clients. That's it.

We don’t sell anything other than our own advice. We don’t receive commissions or kickbacks from anyone. Ataroke is completely independent, which means we don’t work for anyone else but you.

Our fees are completely laid out in your client agreement that is signed before any work begins. You’ll know exactly how much you pay us and when you pay us.

Fee-only means we are only paid by our clients (no commissions).

Flat-fee means our price is fixed, and not based on asset size. Our fee is based only on the time, resources, and complexity needed to serve each client. (Our Ongoing and One-Time plans are a flat-fee arrangement.)

No.

We do consult on how much and what kind of insurance you need.

If we recommend a change to your insurance coverages we will help you shop for and purchase it, but we never receive any compensation for doing so. We remain completely objective.

I am a solo advisor, but I am backed by a robust network of industry specialists, technology solutions, and professional networks.

I’m able to provide comprehensive wealth services to my clients by

1. Collaborating with experts

Staying on top of our rapidly evolving profession is a team effort. I work closely with industry specialists across the fields of investments, insurance, tax law, and estate planning to provide the highest quality advice that’s tailored to your needs.

2. Leveraging technology

Operating as a small or solo advisor would not be possible without the efficiencies that today’s financial technology landscape provides. Certain tasks like paperwork processing, plan generation, and investment transactions used to require a larger team to manage. By leveraging cutting-edge technology, I’m able to automate and streamline these critical processes to provide high-quality service at an affordable price.

3. A network of colleagues

As an active member of organizations like the CFP®, FPA, XY Planning Network, and NAPFA, I am part of a large community of fellow advisors. Members are always ready to lend their expertise and share experiences, which allows me to pass on that wealth of knowledge to you.

Every small business needs a continuity plan, and we have one. Your financial well-being is of primary importance to us, and we have well-documented contingency plans in place.

Here’s what you need to know:

1. You always have full access to your plan and account information. The technology and systems we have implemented will provide uninterrupted access to your data and accounts. We help you design your plan and support you every step of the way, but you are the one who executes it.

2. Day-to-day execution of your plan does not depend on me. Even if we manage your investments, Ataroke never holds custody of your money. If I am deceased or incapacitated you can contact either of our custodians directly to access or move your money.

3. We have a documented business continuity and disaster recovery plan in place. We have designated another trusted advisor to step in promptly and assist with transitioning your service away from Ataroke while upholding the same level of service and integrity.

Rest assured that we have a plan in place to safeguard your assets and provide services should something happen to me.

Yes. We are equipped to work virtually with people from across the country.

Depending on what state you live in, we may need to notify your state before we can begin formally working together.

No.

We have three service offerings.

1. Ongoing Planning + Investment Management.

2. One-Time Planning

3. Stand-Alone Investment Management

With our ongoing and one-time planning you don’t need to move your money at all. You’re paying us for advice and the value of our advice doesn’t depend on where your money is held.

Ataroke never has custody of your money.

If you choose to have us manage your investments directly, we work with two custodians, Altruist and Charles Schwab. Your money is held at a custodian, and we simply advise the custodian what to buy and sell on your behalf.