Frequently Asked Questions

Metanoia is a Greek word that means “change of heart”. It speaks to our personal faith in and the transformation at the heart of our work — helping you go from stressed about financial decisions to experiencing financial peace and freedom to enjoy the things that matter most.

Yes! A fiduciary advisor is the highest standard of loyalty and care. That means we are committed to putting your interests above our own. Our services are offered on a fee-only basis, rather than commission, allowing us to remain objective in the advice we provide.

Since we’re 100% fee-only, we don’t earn revenue from the sale of products or commissions. Our fees are assessed as an ongoing quarterly retainer and are based on Assets Under Management (AUM).

Assets Under Management / Fee Computation

• First $1,000,000 / 0.25% per quarter (1% per year)
• Next $2,000,000 / 0.2% per quarter (0.8% per year)
• Balance above $3,000,000 / 0.15% per quarter (0.6% per year)

We do our best work with individuals and families in or nearing retirement (typically within 5-10 years).

Our Personal CFO service is designed specifically for delegators—diligent savers who have built significant wealth (often $1M+ in investable assets) and are now looking for a trusted partner to handle the implementation and ongoing stewardship of their complete financial life plan.

A Personal CFO is a fiduciary advisor who acts as the ‘chief financial officer’ for your family.

This is much more than just advice. As your Personal CFO, my team and I handle the implementation and ongoing execution of your entire financial life plan. We coordinate your retirement income, tax strategy, and investment stewardship, working directly with your CPA and attorney so you can delegate the complex details and focus on your life.

We’re here to serve you so we structure our communication in the way that works best for you. We’ll spend more time together upfront as we build the foundation of your plan and then we’ll reach out every quarter to keep everything up to date. In the meantime, I welcome regular communication — email, phone calls, and web conferences.

Our first meeting is a 20-minute Introductory Fit Call. There’s absolutely no selling. It’s a two-way conversation for us to understand your goals and for you to understand our ‘Personal CFO’ service.

The entire purpose is to see if we are a mutual fit. There’s no obligation, and you’ll walk away with a clear answer as to whether partnering with Metanoia Financial is the right next step.