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Three ways, all in writing.

• The Bonfire Method: $4,500 flat, credited back over your first year of monthly fees if you continue with ongoing management or consulting.
• Ongoing Management: 1.00% per year on the first $2 million, stepping down from there. $700,000 investable-asset minimum (children and grandchildren of current clients are welcome regardless).
• Ongoing Consulting: $6,000 per year.

When a plan calls for insurance, it can be placed through Bonfire Insurance, our separately disclosed affiliated entity, and that affiliation is disclosed in our Form ADV.

Honest answer: not for everyone. If you are decades from retirement and just need to keep saving, a low-cost index fund is your friend and we will tell you so.

Where coordinated advice earns its fee is the retirement window: Roth conversion timing, withdrawal order, Social Security, Medicare premiums, and estate coordination, where single decisions carry real dollars.

Fair question. We use AI in our own work and we’re transparent about it.

AI can run calculations, summarize information, and produce an answer. But it only knows what you tell it. It doesn’t know:

• Which details are missing.
• How one decision affects the rest of your financial life.
• When a smart-looking move could create an unintended problem elsewhere.

And it has no fiduciary duty to put your interests first.

We do. We bring your income, taxes, investments, insurance, estate plan, family, and goals into the same conversation. We test assumptions, explain the tradeoffs, and tell you when the better decision may not be the most obvious one.

You’re getting a coordinated strategy that connects every part of your financial life and helps you make more confident decisions.

Probably not an ongoing one yet, and few advisors will say that out loud. Until the distribution window gets close, "keep saving and stay invested" rarely justifies an annual fee.

What can be worth it is a one-time coordinated plan. The Bonfire Method is open to people still building. You get a written plan to follow now, and as retirement gets closer, we can help you decide whether ongoing support makes sense.

• Anyone promising returns.
• Fees they cannot explain in one sentence.
• A product recommendation before a plan exists.
• An advisor who cannot tell you plainly whether they are a fiduciary all of the time or only some of it.

Sometimes. Rolling a 401(k) into an IRA can give you more investment choices and may lower your costs. But there can be good reasons to leave it where it is:

• Retiring early: if you leave your job in or after the year you turn 55, you may be able to take money from that employer’s 401(k) without the 10% early-withdrawal penalty. Once it’s in an IRA, you generally have to wait until 59½.
• Company stock: if your 401(k) holds your employer’s stock, a special tax treatment may let part of it be taxed at lower capital gains rates. Rolling it into an IRA can give that up.
• Creditor protection: 401(k)s often have stronger protection from lawsuits and creditors than IRAs, depending on your state.

The right answer depends on your accounts, your plan’s rules, and your timeline, so it’s worth reviewing before you move anything.