FAQ

Do I need a certain amount of money to work with you?

We aim to make quality financial advice accessible, so our minimums are intentionally low and inclusive. That said, we’re best suited for clients who are ready to invest at least $100,000 or are on track to reach that level soon. If you're serious about your financial future and looking for a long-term partnership, we’d be happy to talk.

Are you a fiduciary?

Yes. Brian Luedke is a CERTIFIED FINANCIAL PLANNER™ professional (CFP®) and is held to a fiduciary standard—which means he’s legally and ethically required to act in your best interest at all times. That’s not just a technical detail; it’s the foundation of how we work. No product pushes, no hidden agendas—just honest advice tailored to your goals.

How are you compensated?

We’re primarily a fee-based advisory firm. That means we charge based on the services we provide - not on selling products. We’ll explain any fees clearly before you sign anything.

What can I expect in the first meeting?

You can expect a conversation, not a sales pitch. We’ll talk about your goals, current situation, and whether we’re a good fit. No pressure. No obligation.

Can we meet virtually?

Absolutely. We work with clients in person at our McHenry office or virtually - whatever’s most convenient for you.

Do you pick individual stocks?

In most cases, we build diversified portfolios using ETFs and funds that align with your goals and risk tolerance. We focus on strategy, not speculation. That said, we do have the ability to include individual stocks in your portfolio when it makes sense - especially if it aligns with your preferences, tax strategy, or a specific planning opportunity.

Do you consider taxes when managing my investments?

Always. Tax efficiency is a core part of our process. From choosing tax-aware investment vehicles to coordinating with your CPA during key years (like retirement, business transitions, or inheritance), we help you keep more of what you earn. Smart planning today can make a big difference over time.

Is your investment approach aggressive or conservative?

Neither. It’s intentional. Your portfolio is tailored to your time horizon, financial goals, and personal risk profile. We continuously review and adjust your investments as your life changes - whether that means taking more risk, dialing it back, or shifting your strategy entirely.

How do you figure out my risk tolerance?

We use a tool called Nitrogen (formerly Riskalyze) to help us measure your comfort with risk in a way that’s specific and useful. Instead of guessing or using generic labels, we quantify your risk number and build a portfolio that matches - not just in theory, but in real-world terms. This helps you feel more confident during market volatility and stay committed to your long-term plan.

Do you offer investment strategies for business owners and retirees?

Yes. For business owners, we help with tax-smart investing, retirement plan design (like Solo 401(k)s or SEP IRAs) and exit planning. For retirees, we focus on income distribution, tax planning, and preserving what you’ve built. In both cases, we look at the full picture - because your financial life doesn’t fit in a box.

What does a financial plan actually include?

A good plan should address your income, spending, taxes, investments, retirement goals, estate wishes, and more. But more importantly, it should be built around your life - not just spreadsheets.

I’m going through a major life change. Can you help?

Yes. We specialize in guiding clients through transitions—divorce, job changes, retirement, inheritance, selling a business, or a death in the family. These are the moments when financial advice matters most.

How often do we meet after becoming a client?

Most clients prefer to meet with us annually or semi-annually, depending on their needs and comfort level. In between formal reviews, we're regularly in touch with timely updates, relevant economic news, and any changes that may impact your financial plan. We also host multiple webinars throughout the year to keep clients informed on market trends and the broader economy.

Do you work with clients outside McHenry?

Yes. While we’re based in McHenry, we work with clients all over Northern Illinois—and across the U.S.—thanks to virtual meetings.

Can you help with Illinois-specific tax or retirement issues?

Yes. We’re well-versed in state-specific tax rules, pension options, and retirement considerations that affect Illinois residents.

I’ve made some financial mistakes. Is it too late to fix things?

Not at all. Most of our clients come to us because they want to do better going forward. Our role isn’t to judge—it’s to help you move in the right direction.

I don’t even know what I need. Should I still reach out?

Yes. If you’re unsure where to start, we’ll help you figure it out. That’s part of the process.