FAQ

What makes Boyd Wealth Management different from other financial advisory firms?

We intentionally serve a limited number of families so we can stay deeply involved in the work. Unlike firms where each advisor manages a separate book of clients, we work as a team across client relationships. At least two of our three wealth advisors are typically involved in client meetings, which gives our clients more continuity, perspective, and follow-through. Our goal is simple: help successful families get organized, make thoughtful decisions, and gain a clearer view of the path ahead.

Who is Boyd Wealth Management best suited for?

We are best suited for kind, financially successful families and business owners who want more clarity and less complexity in their financial lives. Most of our clients have $2 million or more in investable assets and enough moving parts to benefit from comprehensive planning. They value trusted guidance, are ready to delegate details, and want a long-term relationship with a team that understands their full picture. We tend to work best with people who are optimistic, thoughtful, and serious about making good decisions.

Who will I work with day to day?

You will work with a team, not just one advisor. Brian, Ryan, and Colby lead the client relationship and planning work, with at least two of them typically involved in client meetings. Colby is generally the day-to-day contact for planning questions and follow-up. Jiyao is generally the primary contact for operational needs such as account opening, money movement, wires, transfers, and related items.

What happens after the first meeting?

After the first meeting, we begin gathering the information needed to understand your full financial picture. This typically includes investment, retirement, and bank account statements, tax returns, family and demographic information, and a risk profile questionnaire. From there, we prepare an initial plan review, usually scheduled two to three weeks later. The goal is to move from scattered information to a clearer picture of where you are, where you want to go, and what decisions need attention first.

What do you help clients with?

We help clients get organized, build a plan, invest with purpose, and stay on track as life changes. That can include retirement planning, cash flow planning, tax strategy, estate coordination, insurance review, charitable giving, business planning, and investment management. Our work is designed to connect the pieces, so decisions around investments, taxes, estate planning, and spending are not made in isolation. The goal is to give clients a clearer view of where they stand and what needs attention next.

How do you manage investments?

We manage investments as part of the financial plan, not separate from it. Each portfolio is built around the client’s goals, time horizon, risk tolerance, tax situation, existing holdings, and need for liquidity. Our process emphasizes diversification, tax-aware implementation, risk management, and evidence-based decision-making. Just as important, we help clients stay grounded through market cycles so short-term noise does not derail long-term plans.

How do you coordinate with my CPA, attorney, and other professionals?

We believe good financial planning works best when your advisors are communicating with each other. While we do not prepare tax returns or draft legal documents, we review tax returns, estate documents, and other planning information to understand each client’s full picture. We coordinate with CPAs, attorneys, and other professionals to help identify planning opportunities and support thoughtful implementation. Our role is to help connect the pieces so important decisions around taxes, estate planning, investments, insurance, and retirement income are not made in isolation.

Do you work with business owners preparing for a sale or transition?

Yes. We work with business owners who are preparing for a sale, succession, merger, or other major transition. This often includes helping evaluate the after-tax impact of a transaction, planning for future cash flow, coordinating with tax and legal advisors, and building an investment and spending strategy for life after the business. A thoughtful exit is not just about the sale price, it is about what the sale can support after taxes, lifestyle needs, family goals, and risk are considered.

How do your fees work?

Our comprehensive wealth management relationships are generally based on an advisory fee tied to the assets we manage. Our fee schedule is tiered, so the percentage declines as assets increase, and all engagements are held to a fiduciary standard of care. Most ongoing relationships begin with $2 million or more in investable assets, though clients below that level may engage us subject to an annual minimum. We believe fees should be clear, understandable, and discussed before anyone makes a decision.

When does it make sense to consider changing financial advisors?

It may make sense to consider a change when your financial life has become more complex than your current advisory relationship can comfortably support. Common signs include unclear planning, limited tax coordination, reactive communication, investment decisions that feel disconnected from your goals, or uncertainty around retirement income, estate planning, or a business transition. Many successful families simply outgrow the advisor relationship that helped them get started. That is not a failure, it is just a sign that the next stage may require a different level of guidance.