FAQ. Apprise Wealth Management
These FAQs are designed to help you quickly understand how we work, who we serve best, and what to expect. If you do not see your question here, please reach out.
Start here.
Yes. We start with a discovery call to understand what you are facing, what you want to accomplish, and whether our approach fits what you are looking for.
What we cover
- What prompted you to reach out, and what you want next
- The type of planning support you want
- How an ongoing advisory relationship works at Apprise
Learn more: Schedule a Discovery Call. Services.
A warm, straightforward conversation. We will ask a few questions about your situation and goals, then explain how we work. If it seems like a fit, we will outline next steps.
Learn more: Schedule a Discovery Call.
Fit and engagement model.
We work best with women facing new beginnings who want clarity, structure, and ongoing guidance. Many clients are navigating divorce, the loss of a spouse, empty nest changes, career transitions, or other major life shifts.
If you value a thoughtful process, education, and follow-through, we are likely a strong fit.
Learn more: Life Planning. Services.
If you want to time the market, chase short-term trends, or focus primarily on picking individual stocks, we are probably not a good fit. Our work is built around disciplined decision-making and long-term planning.
We are also typically not the right match if you want one-time advice without an ongoing relationship.
Learn more: Investment Management. Fees.
No. We do not offer financial planning on an hourly or project basis.
We provide planning through an ongoing relationship, with regular check-ins and updates as your life changes. That structure helps your plan stay current, and your decisions stay coordinated over time. If you are looking for one-time advice, we may not be the right fit.
Because financial decisions are rarely only technical. They are behavioral, tax-aware, and easier to maintain with a clear process and accountability.
Clients often value help with:
- Prioritizing decisions during a transition
- Coordinating investments, taxes, and cash flow
- Reducing mistakes that can compound over time
- Building a plan you can return to when life changes
Learn more: Life Planning. Services.
Fees and how you pay.
We are compensated either through a flat annual planning fee or an asset-based investment management fee, depending on your needs. We will recommend the structure that aligns best with the scope of work and the complexity of your situation.
You will always know what you are paying, what it covers, and how the relationship works before you decide to move forward.
Fees are billed quarterly in arrears. When a new client starts partway through a quarter, the first quarter is prorated based on the date the agreement was signed.
If you have questions about how this would apply to your situation, we can walk through it briefly on a discovery call.
Learn more: Fees. Schedule a Discovery Call.
Our minimum is primarily based on the scope of work and the ongoing relationship. In most cases, clients should expect a minimum annual fee of $8,000 for an ongoing planning relationship.
We work best with clients who want an ongoing relationship and value proactive planning, especially during life transitions or when decisions have real complexity.
We offer two fee structures, and we will recommend the one that best matches your situation.
- Flat annual fee is often the best fit when assets are more modest but planning needs are meaningful.
- Asset-based fee may be a fit when investment management is the primary driver of complexity and ongoing work.
If you’re not sure which structure would apply to you, we can clarify quickly on a discovery call.
Learn more: Fees. Schedule a Discovery Call.
How we work. Where meetings happen.
Yes. We are based in Maryland and serve clients nationwide. Many clients prefer virtual meetings for convenience.
Learn more: Schedule a Discovery Call.
No. We can meet with clients in person and/or virtually. If you are local, we can meet in person. We can also meet by Zoom or by phone, whichever is easiest for you.
Learn more: Schedule a Discovery Call.
Both. The relationship is designed to be easy to maintain, especially during life transitions. We use the meeting format that supports consistency and follow-through.
Learn more: Services.
What we do.
Our work typically includes life planning, financial planning, investment management, and tax planning. Depending on your needs, we also address retirement planning, cash flow planning, debt strategy, and insurance planning coordination.
Our goal is coordination. Decisions should fit your life, not just your accounts.
Learn more: Services. Life Planning.
Both. Many clients engage us for planning plus investment management. Others begin with planning and add investment management later, once the strategy and approach are clear.
Learn more: Services. Investment Management.
It is a living plan, not a one-time document. We start by clarifying priorities, then translate those priorities into an actionable plan. From there, we revisit and refine the plan through ongoing check-ins as your life evolves.
Learn more: Life Planning. Services.
Investing and philosophy.
Disciplined, long-term, plan-driven investing. We strive to align your portfolio with your goals, time horizon, and comfort with risk. We focus on what you can control, and we build a strategy you can stick with.
Learn more: Investment Management.
Life planning and your next chapter.
Life planning helps ensure money supports a life that feels meaningful, not just a spreadsheet. We use structured conversations to clarify what matters most, identify obstacles, and translate priorities into an actionable plan.
For many women in transition, life planning provides clarity when life feels uncertain and decisions feel heavier than usual.
Learn more: Life Planning and the EVOKE process.
Because transitions can make it hard to see a clear path forward, and no one should have to navigate that uncertainty alone. I chose to specialize in helping women through major life changes because the work is personal to me and aligns with my mission at Apprise.
Many of the women I serve are navigating divorce, widowhood, empty nest changes, or other chapters that require both emotional steadiness and practical financial decisions. My role is to bring structure, clarity, and follow-through so money supports the life you want to build next.
If you’d like to hear the full story behind Apprise and why this mission matters to me, you can watch it here.
Learn more: My Why Story. Life Planning. Services.
Yes. We help clients organize the financial details, model scenarios, and build a plan for cash flow, long-term security, and the next chapter. When appropriate, we coordinate with your other professionals to keep decisions from happening in silos.
Learn more: Divorce Guide. Schedule a Discovery Call.
We help bring structure and calm to a time that can feel overwhelming. We start by clarifying what needs attention now, what can usually wait, and which decisions deserve extra care.
You can begin with our checklist, and if you want support applying it to your situation, we can talk.
Learn more: Widow Checklist. Schedule a Discovery Call.
Yes. We can evaluate different retirement timelines and the tradeoffs that come with each choice, then stress-test the “what if” scenarios that matter most.
Learn more: Services. Schedule a Discovery Call.
Standards and credentials.
The CFA designation reflects rigorous training in investment analysis, portfolio management, and ethics. In practical terms, it supports disciplined portfolio decision-making within the context of your overall plan.
Learn more: Investment Management.
A CPA adds deeper tax expertise and a standards-based approach. In a planning relationship, that often shows up as more proactive tax planning, clearer tradeoffs, and better coordination between investment decisions and taxes over time.
Learn more: Services.
About Apprise.
“Apprise” means to inform. One motivation behind the firm is to help clients understand their personal finances and the “why” behind recommendations, so decisions feel clearer and more confident.
Learn more: Services.