Frequently Asked Questions

Do you only work with people in the Columbia, SC area?

No. I work with people all over the United States.

What can I expect from my first meeting with a financial advisor at Dyadic Financial Management?

Our first meeting is a relaxed, friendly conversation designed to lay the foundation for a potential long-term partnership. Whether you're exploring financial planning or comprehensive wealth management services, we believe in building trust-based collaborative relationships. During this initial consultation, we'll take the time to understand your unique financial situation, aspirations, and values. We'll discuss your short-term and long-term goals, listen attentively to what matters most to you, and share how our expertise might align with your needs. This meeting is as much about you getting to know us as it is about us getting to know you; feel free to ask questions about our approach, experience, and philosophy. By the end of our chat, we'll both have a clear sense of whether we're the right fit to help you achieve your financial objectives.

What parts of my financial life will you assist with?

I work with Columbia-area professionals and families who are navigating one of four situations: the loss of a spouse, an inheritance, the sale of a business, or retirement from a major employer like Prisma Health.

The financial work that comes with those situations is what I focus on. That includes the tax position in the year of a transition and the years that follow, the estate structure that needs to be reviewed or updated, the benefit sequencing decisions that cannot be undone once retirement begins, Social Security timing relative to other income sources, and the planning that a significant liquidity event, a business sale or inheritance requires before the proceeds move anywhere.

If your situation does not fall into one of those four categories, I am probably not the right fit. I would rather tell you that directly than take you through a process that does not serve you well.

How do you get paid?

I'm fee-only in advisory relationships, which means my compensation in those relationships comes from you directly, not from commissions on products I put you into. No hidden incentives. No sneaky commissions.

For wealth management, my fee starts at 1.5% of assets under management annually, with breakpoints above that level. There are no flat fees, no hourly billing, and no project minimums.

Your first chat with us is on the house. We'll use that time to figure out what works best for you.

What makes Dyadic different than other advisors?

We're not your typical financial advisors. We're absolutely serious about your financial future and we believe in building genuine relationships with our clients. Our team is made up of down-to-earth professionals who can seamlessly transition from in-depth planning discussions to friendly conversations. We pride ourselves on being approachable and relatable, treating our clients as real people with unique stories and goals. If you're looking for advisors who combine expert financial guidance with a personal touch, you've found your match in us. We're here to make your financial journey not just seamless but also enjoyable.

Are you a fiduciary?

 Yes. When managing advisory accounts, I serve as a fiduciary committed to acting in your best interest. Think of it like having a trusted friend who's good with money and is always looking out for you. When you work with a fiduciary like myself, you can rest easy knowing I'm not just trying to sell you products or make a quick buck. Instead, I'm focused on understanding your unique financial situation and goals and then making recommendations that are truly in your best interest. It's all about transparency, trust, and making sure your money is working as hard as possible for you. So when you're dealing with a fiduciary, you're getting advice that's tailored specifically to you, without any hidden agendas or conflicts of interest.