Hi, We’re Commas
Backed by Truepoint Wealth Counsel and bolstered by a passion to put fee-only, fiduciary services in the hands of growing families and future retirees, Commas offers thoughtful financial planning, tax-aware portfolio management, and the ongoing guidance of a CERTIFIED FINANCIAL PLANNER™ professional.
Meet Some of Our Advisors
Real People, Not Robots
FAQs
Who will I work with at Commas?
Truepoint Wealth Counsel was founded in 1990 as one of the region’s first fee-only firms. Designed for those with more complex financial needs and around $3M in assets, Truepoint provides a more robust, hands-on financial service for those that need it.
Do you have a minimum fee?
Truepoint Wealth Counsel was founded in 1990 as one of the region’s first fee-only firms. Designed for those with more complex financial needs and around $3M in assets, Truepoint provides a more robust, hands-on financial service for those that need it.
Will you sign a Fiduciary Oath?
Truepoint Wealth Counsel was founded in 1990 as one of the region’s first fee-only firms. Designed for those with more complex financial needs and around $3M in assets, Truepoint provides a more robust, hands-on financial service for those that need it.
What is Betterment?
Truepoint Wealth Counsel was founded in 1990 as one of the region’s first fee-only firms. Designed for those with more complex financial needs and around $3M in assets, Truepoint provides a more robust, hands-on financial service for those that need it.
Can you tell me more about Truepoint?
Truepoint Wealth Counsel was founded in 1990 as one of the region’s first fee-only firms. Designed for those with more complex financial needs and around $3M in assets, Truepoint provides a more robust, hands-on financial service for those who need it.
How is your firm compensated and how is it calculated?
We’re a fee-only financial advisor. We’re compensated solely by our clients via the pricing listed on our website and in our client agreements. We do not receive commissions or compensation from the purchase or sale of any financial products. Our fee is $65 per month plus 0.8% per year of your investment portfolio with Commas. The $65/month planning fee is waived for portfolios over $1M.
What is your educational background?
Currently, our team consists of Spelman College, Ohio University, Indiana University, Georgetown College, University of Dayton and University of Cincinnati graduates.
What are your financial planning credentials/designations and affiliations?
Collectively, our team has the following designations: Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP®).
How long have you been offering financial planning services?
Commas was founded as RhineVest in September 2015.
Have you ever been cited by a professional or regulatory governing body for disciplinary reasons?
No.
How long have you guys been around?
Truepoint Wealth Counsel was founded in 1990 as one of the region’s first fee-only firms. Designed for those with more complex financial needs and around $3M in assets, Truepoint provides a more robust, hands-on financial service for those that need it.
Does any member of your firm act as a general partner, participate in, or receive compensation from investments you may recommend?
No.
Do you receive referral fees from attorney, accountants, insurance professionals, mortgage brokers, or others?
No.
Do you receive ongoing income from any mutual funds that you recommend in the form of 12b(1) fees, trailing commissions, or other continuing payouts?
No.
Are there financial incentives for you to recommend certain financial products?
No.
Do you offer continuous, ongoing advice regarding my financial affairs, including advice on non-investment related financial issues?
Yes!
Do you offer assistance with implementation of your recommendations?
We offer assistance to our clients for goal setting, budgeting, investment review, education funding, retirement planning, and other financial planning & investment management topics. We give advice on tax planning, estate planning, and insurance needs but refer clients to trusted third-parties for implementation. We receive no referrals fees from these third-party firms.
Do you take custody of, or have access to my assets? If you were to provide ongoing investment advisory services, do you require “discretionary” trading authority over my investment account(s)?
We require “discretionary” trading authority for any investment accounts managed by Commas through our custodian relationship with Betterment Securities. We do not require “discretionary” trading authority for investment advice related to employer retirement accounts (401k, 403b, etc.) or other outside accounts (529s, annuities, etc.).