Typing...
Let’s schedule a day and time for our meeting.
We have another option available for you.
We have another option available for you.
Book a Fit Call to learn more about Root and see if we could be a good match.
We currently have a $1M minimum today.
Please know that we aim to increase the number of people we can serve as our team expands.
In the meantime, we currently offer the ability to run your own financial plan with what-if scenarios within our academies below (the same as you see on YouTube):
Here's a few options.
We currently offer the ability to run your own financial plan with what-if scenarios within our academies below (the same as you see on YouTube):
Retirement Planning Academy (James)
Early Retirement Academy (Ari)
If you have completed one of the academies above and/or still seek guidance on your financial strategy, you can book a call here with a firm that offers one-time plans regardless of how much money you have.
This is not with Root Financial, but a firm with a similar philosophy.
A calendar invitation has been sent to your email.
James Conole (VSL)
View BioLearn more about James Conole (VSL).
Frequently Asked Questions
-
Once you start working with Root, you’ll have a kickoff meeting where we dive deep into your goals, values, and current financial picture. From there, we begin building a personalized plan through a series of focused meetings—covering income, investments, taxes, estate planning, and more—designed to help you live the life you want, not just the one you can get by on. Planning continues with ongoing support and regular check-ins to keep your strategy aligned as life evolves.
Watch (04:05) -
Your money is typically held at Charles Schwab, an independent custodian—think of it like a secure grocery cart where you own everything inside. The accounts stay in your name, and we act as your advisor with limited authority to manage them on your behalf. We don’t work for Schwab or earn commissions, so every recommendation we make is in your best interest.
Watch (00:50) -
Transferring your investment accounts is simple and secure thanks to the ACAT system, which moves assets “in-kind”—meaning nothing is sold or changed during the transfer. Whether you’re moving an IRA or brokerage account, your investments stay exactly the same; the only difference is where you log in. We don’t make any changes to your portfolio until you approve a personalized plan built around your goals and tax strategy.
Transferring your investment accounts is simple and secure thanks to the ACAT system, which moves assets “in-kind”—meaning nothing is sold or changed during the transfer. Whether you’re moving an IRA or brokerage account, your investments stay exactly the same; the only difference is where you log in. We don’t make any changes to your portfolio until you approve a personalized plan built around your goals and tax strategy.
Watch (02:02) -
We charge a transparent, tiered percentage based on the assets we actively manage—starting at 1% for the first $1 million and decreasing as your assets grow. There are no commissions, hidden fees, or extra charges for tax or estate planning, and billing is done monthly for flexibility. If we’re not delivering value that exceeds the cost, you’re free to walk away—no long-term commitments.
Watch (02:55) -
Our fee reflects the value of having a trusted partner focused on your entire financial life—so you don’t have to become your own advisor. We provide both quantifiable benefits (like tax strategies and withdrawal planning) and priceless peace of mind, helping you make confident, intentional decisions about retirement, lifestyle, and legacy. Ultimately, you’re investing in your time, clarity, and confidence—not just spreadsheets and returns.
Watch (03:18) -
No—James and Ari don’t personally oversee every client, but every plan follows the same high standards they’ve set through our structured team approach. Each client is supported by a dedicated team including a lead advisor, senior advisor, associate advisor, and client service associate—all trained through Root’s internal program to deliver a consistent, personalized experience rooted in our philosophy.
Watch (02:24) -
At Root, we focus on proactive tax planning, not tax preparation. We help clients identify opportunities like Roth conversions, tax gain/loss harvesting, charitable strategies, and optimizing income to manage healthcare costs or subsidies—all in coordination with your broader financial goals. While we don’t file your taxes, we collaborate closely with your CPA to ensure everything is implemented smoothly and strategically.
Watch (03:05) -
We work with people from all walks of life. Most of the people we serve have built portfolios of at least $1 million (excluding current 401(k)s if under age 59.5, real estate, and 529 plans) and are ready to delegate. We ask to manage all assets that are available for direct management so we can deliver advice that’s fully integrated across your financial life.
All advisory relationships are subject to a $10,000 minimum annual fee. If your fees under our standard asset-based schedule fall below that amount, the minimum will be applied. This structure is designed for standard advisory relationships where assets are limited but planning needs fall within our typical scope.
If your situation involves more complexity, such as business ownership, multiple entities, or advanced planning needs, and asset-based billing isn’t available, we may instead recommend working together under a flat-fee planning arrangement that reflects the scope of work involved. In those cases, a separate agreement would outline the services and cost.
If we’re not the right fit, we’ll do our best to answer your questions and connect you with someone who might be.
Welcome to the Priority Path-I am excited to connect with you. Before booking, please watch the short video below. It covers key info for our call.
Watch the video, then click “Continue” to schedule.
What can you expect?
-
Fit Call
A 25-minute call with a member of our team. No pressure, just a chance for us to hear your story and be honest about whether we’re the right fit.
-
Proposal Meeting
Next, you’ll meet with a lead advisor, who’ll show you exactly how Root would address your situation. Decide to move forward, and you’ll sign the documents and get started.
-
Kickoff
Working together, you and your advisor spend this session diving into your purpose, expenses, and financial plan. From there, you’re enrolled in our Sequoia system, a series of meetings to work through every piece of your financial life, officially kicking off your time as a Root client.
Client testimonials and endorsements reflect individual experiences and may not be representative of all clients. No compensation was provided unless otherwise disclosed.
Typing...
Let’s schedule a day and time for our meeting.
We have another option available for you.
We have another option available for you.
Book a Fit Call to learn more about Root and see if we could be a good match.
We currently have a $1M minimum today.
Please know that we aim to increase the number of people we can serve as our team expands.
In the meantime, we currently offer the ability to run your own financial plan with what-if scenarios within our academies below (the same as you see on YouTube):
Here's a few options.
We currently offer the ability to run your own financial plan with what-if scenarios within our academies below (the same as you see on YouTube):
Retirement Planning Academy (James)
Early Retirement Academy (Ari)
If you have completed one of the academies above and/or still seek guidance on your financial strategy, you can book a call here with a firm that offers one-time plans regardless of how much money you have.
This is not with Root Financial, but a firm with a similar philosophy.
A calendar invitation has been sent to your email.
James Conole (VSL)
View BioLearn more about James Conole (VSL).
Frequently Asked Questions
-
Once you start working with Root, you’ll have a kickoff meeting where we dive deep into your goals, values, and current financial picture. From there, we begin building a personalized plan through a series of focused meetings—covering income, investments, taxes, estate planning, and more—designed to help you live the life you want, not just the one you can get by on. Planning continues with ongoing support and regular check-ins to keep your strategy aligned as life evolves.
Watch (04:05) -
Your money is typically held at Charles Schwab, an independent custodian—think of it like a secure grocery cart where you own everything inside. The accounts stay in your name, and we act as your advisor with limited authority to manage them on your behalf. We don’t work for Schwab or earn commissions, so every recommendation we make is in your best interest.
Watch (00:50) -
Transferring your investment accounts is simple and secure thanks to the ACAT system, which moves assets “in-kind”—meaning nothing is sold or changed during the transfer. Whether you’re moving an IRA or brokerage account, your investments stay exactly the same; the only difference is where you log in. We don’t make any changes to your portfolio until you approve a personalized plan built around your goals and tax strategy.
Transferring your investment accounts is simple and secure thanks to the ACAT system, which moves assets “in-kind”—meaning nothing is sold or changed during the transfer. Whether you’re moving an IRA or brokerage account, your investments stay exactly the same; the only difference is where you log in. We don’t make any changes to your portfolio until you approve a personalized plan built around your goals and tax strategy.
Watch (02:02) -
We charge a transparent, tiered percentage based on the assets we actively manage—starting at 1% for the first $1 million and decreasing as your assets grow. There are no commissions, hidden fees, or extra charges for tax or estate planning, and billing is done monthly for flexibility. If we’re not delivering value that exceeds the cost, you’re free to walk away—no long-term commitments.
Watch (02:55) -
Our fee reflects the value of having a trusted partner focused on your entire financial life—so you don’t have to become your own advisor. We provide both quantifiable benefits (like tax strategies and withdrawal planning) and priceless peace of mind, helping you make confident, intentional decisions about retirement, lifestyle, and legacy. Ultimately, you’re investing in your time, clarity, and confidence—not just spreadsheets and returns.
Watch (03:18) -
No—James and Ari don’t personally oversee every client, but every plan follows the same high standards they’ve set through our structured team approach. Each client is supported by a dedicated team including a lead advisor, senior advisor, associate advisor, and client service associate—all trained through Root’s internal program to deliver a consistent, personalized experience rooted in our philosophy.
Watch (02:24) -
At Root, we focus on proactive tax planning, not tax preparation. We help clients identify opportunities like Roth conversions, tax gain/loss harvesting, charitable strategies, and optimizing income to manage healthcare costs or subsidies—all in coordination with your broader financial goals. While we don’t file your taxes, we collaborate closely with your CPA to ensure everything is implemented smoothly and strategically.
Watch (03:05) -
We work with people from all walks of life. Most of the people we serve have built portfolios of at least $1 million (excluding current 401(k)s if under age 59.5, real estate, and 529 plans) and are ready to delegate. We ask to manage all assets that are available for direct management so we can deliver advice that’s fully integrated across your financial life.
All advisory relationships are subject to a $10,000 minimum annual fee. If your fees under our standard asset-based schedule fall below that amount, the minimum will be applied. This structure is designed for standard advisory relationships where assets are limited but planning needs fall within our typical scope.
If your situation involves more complexity, such as business ownership, multiple entities, or advanced planning needs, and asset-based billing isn’t available, we may instead recommend working together under a flat-fee planning arrangement that reflects the scope of work involved. In those cases, a separate agreement would outline the services and cost.
If we’re not the right fit, we’ll do our best to answer your questions and connect you with someone who might be.
Welcome to the Priority Path-I am excited to connect with you. Before booking, please watch the short video below. It covers key info for our call.
Watch the video, then click “Continue” to schedule.
Why Root Financial
I could talk about investments and tax strategy all day. But most retirees don’t have an investment problem. They have a coordination problem, an investment person here, a tax person there, nobody steering the whole ship.
That’s what Root fixes. We’re fee-only fiduciaries, legally obligated to put your best interest first, even when that means telling you to stay put. Before we look at your accounts, we start with your goals. What does a well-lived retirement look like for you?
From there, we build one coordinated plan, income, investments, taxes, estate, built around that life.
Frequently Asked Questions
-
We work with people from all walks of life. That said, we are a business, and to remain viable, we must receive compensation. Our best-fit clients are those who have found some success and built a portfolio of at least $1 million. They’ve done an excellent job of saving but don’t want to be burdened with the responsibility of doing everything needed to get the most out of their money and their retirement planning.
If we can’t work with you, we’ll do our best to answer any questions you have and point you to someone who can. Please don’t hesitate to reach out today to see what’s possible with your financial planning.
-
We charge a fee that’s a percentage of the value of the investments we manage, which is debited directly from the account:
—1% on the first $1,000,000 we manage
—0.75% between $1,000,000 and $5,000,000
—0.50% between $5,000,000 and $10,000,000
—0.40% between $10,000,000 and $25,000,000
—0.30% between $25,000,000 and $50,000,000
—0.25% between $50,000,000 and $100,000,000
—0.20% on amounts above $100,000,000We don’t get paid through any type of commission, kickback, or other undisclosed revenue sources. There’s no additional charge for the tax and estate planning advice we provide.
-
Our mission is to help you get the most out of life with your money. To do that means we want to take as much of the planning off your plate as possible. We help clients with:
—Retirement planning
—Investment management
—Tax planning
—Estate planning
—Insurance review
—Cash flow planningAnd everything else needed to ensure you feel calm (and excited) about your financial future.
-
Yes.
Your CPA is excellent for accounting for what happened last year. Often, they don’t work on limiting your tax liability in the future.
At Root, we help you look at the big picture and offer strategies to optimize your spending and saving for tax efficiencies. You (or your CPA) will still be responsible for filing your return.
-
One key component of Root Financial’s mission is to provide a world-class client experience.
To help accomplish this objective, we work closely with high-quality custodians who allow us to do our best work for you.
We work with both Charles Schwab and Altruist. We don’t work for them—meaning we can determine which custodian makes the most sense based on your situation.
We will talk more in-depth about why these custodians supports us in creating a top-tier investment experience during our explore meeting.