How we work with a household

One advisor who knows your plan, a written plan you can read in ten minutes, and money that stays in your name. This is the whole method.

Every client gets the same three things

A written plan

Retirement date, spending, taxes, insurance and estate in one document, updated after every review. It says what to do this year, not what might happen in thirty.

Managed investments

Low-cost index portfolios and bond ladders in your Schwab accounts, run to a policy statement you sign. We rebalance with taxes in mind and never buy products we are paid to sell.

Reviews that start from the plan

Four meetings in the first year, then two a year and whenever life changes. Each one opens the plan in your portal and ends with a short list of actions.

The client portal

Your plan, quarterly fee statements and every document, in one private place. This is the fee statement a household with $2.4 million sees each quarter.

Fairwood fee statement for the third quarter of 2026 listing four Schwab accounts, tier rates, an annual fee of $18,928.10 and a quarterly fee of $4,732.03

Example statement for a fictional household. Your statement shows your own accounts and fee.

What we do not do

Sell products

No annuities, no insurance commissions, no house funds. The fee on your statement is the only money we make from you.

Hold your money

Charles Schwab holds it, in your name. We can trade and deduct our agreed fee, nothing else.

Lock you in

No surrender charges and no minimum term. Leave with written notice and we stop billing that day.

Predict markets

Your plan does not depend on next quarter. We plan for spending, taxes and withdrawal order, the parts you control.

From first call to first review

Four steps. You can stop after any of them, and you sign nothing until you have read a written plan and a fee quote.

Intro call

30 minutes, by phone or video

We ask what prompted the call and what you want to decide. If we are not the right firm, we say so and suggest where to look.

Discovery meeting

Week 1, 90 minutes

We go through accounts, income, taxes and goals with you. You leave with a list of documents to send and a written fee quote.

Your written plan

Weeks 3 to 4

We present the plan in person or by video, answer every question and sign the advisory agreement only if you want to go ahead.

Ongoing reviews

Every quarter, and whenever life changes

Accounts move to Schwab, the portfolio follows your policy statement, and each review starts from the plan in your portal.

Talk to an advisor before you decide anything

A 30 minute call with a CFP professional. Bring one question about retirement, taxes or an old 401(k). There is no charge, and we will tell you if we are not the right fit.

Book a 30 minute intro call

Fairwood

Fee-only financial planning and investment management for families and business owners.

214 Monroe Street, Madison, Wisconsin 53711

(608) 555‑0142

hello@fairwoodwealth.com

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Fairwood Wealth LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. Nothing on this site is an offer to buy or sell a security or personal advice for your situation. Investing involves risk, including the loss of principal. Projections are hypothetical, are not guarantees and do not reflect actual results. Read our Form ADV Part 2A and Form CRS on the disclosures page before you hire us.

Monday to Friday, 8 am to 5 pm Central

Fairwood

Book a 30 minute intro call