As a kid, I spent most of my time in the dirt, building cities for my Matchbox cars. This probably explains why my first career was as a civil engineer. It was during this time that the seed to create a “different” type of financial planning firm was planted. During an annual visit from our 401(k) advisor, I experienced what many others have when hiring a financial advisor; hidden fees, obnoxious sales tactics, over-promising, under-delivering, and the pursuit of an agenda that served no relevance to my own goals. I received a recommendation to switch from one mutual fund to another. Given my engineering training, I didn’t take the recommendation at face value and decided to research the