WindMiller is not your typical financial advisor. Before we begin any comprehensive planning work together, we get to know you as an individual (and as a couple if you have a partner or spouse). What are your aims? What's important to you? How do you want your life to unfold? We want you to live your best life and use this to guide our work together and the recommendations and strategies that follow.
We help to create clarity from what is, by design, a complex and confusing world of money and finance. We will help you build an understanding of money, risk protection, investment strategies, and what it will take to achieve your most important aims in life.
We do not simply focus on investment strategies or portfolio design. We provide ongoing comprehensive planning – helping you navigate life's myriad financial considerations. This includes things like how much is required to fund your desired lifestyle, equity incentive programs, tax strategy, risk protection, insurance, estate planning, mortgage refinancing, lease vs. buy decisions, access to capital, investment real estate, annual open enrollment options/elections, job/career changes, unexpected financial windfalls or obligations.
We aren’t going to tell you to cut up your credit cards, and we won’t require you to live by a budget (but you must implement some specific habits and practices to get this hall pass).
Our clients are a varied bunch – career professionals, creatives, retirees, couples, families, single adults, white-collar, and blue-collar. While we don’t require a minimum net worth or minimum asset level, we work with those who are ambitious and good at earning money. This includes working professionals at all stages of their careers and generally those who want more than just “investment advice” and who are committed to building financial security and taking care of their future selves.
We work with those who have been unsatisfied with their prior advisory relationship or may have been ‘going it alone’ and lack a vision, clear strategy, and plan in place - who could benefit from structure and accountability, who want and need a second set of eyes, a co-pilot, and someone who will look out for their best interests and allow them to focus on what they do best – earning a good income and building their careers and value in the marketplace.
Our clients aren’t aiming for “retirement” in the traditional sense. They are aiming for asset levels that allow for a “work optional” life - the point when passive income from their assets exceeds their living and lifestyle expenses – when they no longer need to work and they can freely choose how to spend their time.
If any of this sounds like you and what’s important to you, schedule a Discovery Call and let’s talk about how we can help.
However, if you are interested in market timing, individual stock-picking, chasing returns, holding highly concentrated positions, or speculating, we won't be a good fit.
If you have loads of personal debt and bill collectors coming for you, we won’t be able to help you.
This is a no pressure conversation for us to learn a bit about you and for you to understand what it’s like working with WindMiller.
To schedule a call using Calendly, you'll need to respond to a few general questions giving us some basic information about you and your current situation.
At the conclusion of the call, if we mutually think there is a fit and decide to proceed, we'll discuss next steps, including our application process - this more specifically informs us of your financial situation and how we can best tailor our help for you. We'll schedule a one-hour follow-up meeting to review your application and formalize our offer to you.
Otherwise, just bring yourself and any questions you might have – general or specific – to the call.
While the foundational work we do together within each step of The WindMiller WaySM is consistent, client-specific recommendations and strategies are not. We do not utilize a one size fits all approach – our clients are all uniquely situated, and we take this into consideration when developing strategies and recommendations. Things like income levels, career trajectories, lifestyle expenses, risk-tolerances, geographic and income-based tax differences, age/stage in life, legacy, and of course client-specific aims all inform the strategies and recommendations we provide.
WindMiller utilizes financial planning tools and software that are built according to your situation and the specific details of your financial picture – your assets, liabilities, saving and investing trajectories, insurance coverages, future spending goals, projected income levels, etc. We incorporate these tools to develop customized strategies and recommendations tailored to your specific situation, needs and goals. Whether you’re looking to begin growing your wealth, optimizing the wealth you’ve built, planning for retirement, or wanting harmony about money in your relationship, we start with where you are and construct a plan that is tailored to your individual circumstances.
The pricing of our services is always fully transparent. Most new clients begin with a 6-month fee-based financial planning agreement during which time we complete the steps of The WindMiller WaySM. This arrangement assumes no initial management of assets.
Some new clients begin by having WindMiller manage their existing assets, which engages us as your advisor ongoingly. We complete the steps of The WindMiller WaySM at whatever pace works for you.
Most ongoing clients are under an asset under management fee structure where WindMiller receives a fee based on a client’s assets under management.
For more information about our fee structure, schedule a Discovery Call. In the meantime, you may like to reference our Form ADV Part 2 which provides specific details about WindMiller's fee structure.
Schedule a 30-minute Discovery Call. No pitch, no pressure – just an honest look at whether we’re the right fit for you.
Schedule a Discovery Call