Fiduciary

Fee-only

Personalized planning

Transparent pricing

NOT YOUR DAD’S FINANCIAL PLANNER

A fresh take on personalized portfolio management, financial planning, and wealth coaching.

OUR PHILOSOPHY: BUILDING INTEGRATED WEALTH

We know not everyone has the same goals, values, and definition of success. There is no one-size-fits-all wealth building strategy.

All our financial services are designed around helping you maximize the four money skills—earning, saving, investing, and spending—all informed by your unique values and goals. This what we call integrated wealth.

Skull & Bones Financial helps you build integrated wealth by providing approachable, empathetic, and practical financial guidance that’s tailored to your specific values, goals, and needs, so you can enjoy both the journey and the destination.

FINANCIAL SERVICES

FINANCIAL COACHING & CONSULTING

For individuals looking for guidance and education on a case by case basis. Coaching is ideal for moments of transition when you need to pick a professional’s brain on a specific topic or event.

  • Work transitions: salary, taxes and retirement account setup

  • Home buying: saving, selling, financing

  • Life transitions: children joining the family, exiting the home, couples combining finances, approaching retirement

  • Generational wealth: legacy, trusts, communication

COMPREHENSIVE FINANCIAL PLAN

You don’t need a stock broker, but you do need a plan. Think of your Comprehensive Financial Plan as a personalized guide for the journey ahead, all wrapped up in your very own easy-to-understand digital reference ducument.

  • Identify and understand your/your spouse’s/your family’s financial values, tendencies, and pain points.

  • Inventory your current financial snapshot, including net worth, income, and expenses.

  • Articulate clear, personalized goals and aspirations for the future—no cookie cutter wealth building outcomes here.

  • Create actionable, tangible habits and milestones that guide your financial choices for the next 6 months, 2 years, and 10 years.

Optional quarterly check-in meetings to maintain momentum and recalibrate action plan based on changing circumstances.

WEALTH MANAGEMENT

Also known as “assets under management,” this is a fee-based comprehensive wealth management and financial planning service where we manage your investments for you.

  • NO minimum portfolio value. We will work with anyone who is a good fit with our philosophy.

  • Initial setup includes comprehensive financial plan.

  • Initial setup fee of $1,000, then 1% annual asset management and planning fee.

  • Unlimited access to your financial planner for consulting, coaching, retirement planning, cash flow coaching, and strategy sessions, at no additional charge.

  • Anytime reviews to allow for changes of mind or circumstance when you encounter big decisions or have questions or concerns about your investments

  • NO commissions, sales charges, or kickbacks. A flat percentage of your portfolio is charged annually as a fee.

Client Testimonials

  • ★★★★★

    “My coaching sessions encouraged me to think about work and career in a way I hadn't imagined before. I am now pursuing my passions while being in a career that meets my needs and goals financially—something I had dreamed of doing.”

    —Mitch Salanty, coaching client

  • ★★★★★

    “It was a pleasure and incredibly helpful for my wife and I to work with you. You are a very good man who is extremely well-intentioned and has a lot to offer. We were lucky to be able to work with you.”

    — coaching client

  • ★★★★★

    “We worked with Dusty from Skull & Bones Society with a focus on finance coaching. His ability to connect on a personal level with us and navigate our unique situation was invaluable. Having a neutral third party with tons of knowledge and clearly has our best intentions in mind allowed us to make tremendous gains during our sessions. We made so much progress and feel so good coming out of our coaching sessions with Dusty. I would recommend anyone who can should hire Skull & Bones.”

    — Pat Barber, coaching client

YOU BUILD WEALTH BY SAVING AND INVESTING MONEY • YOU BUILD A LIFE BY SPENDING IT WISELY •

YOU BUILD WEALTH BY SAVING AND INVESTING MONEY • YOU BUILD A LIFE BY SPENDING IT WISELY •