Frequently Asked Questions

Our fees depend on the type of engagement. Financial planning is offered at a flat fee based on complexity, and portfolio management is charged as a percentage of assets under management. We are transparent about our pricing and will provide you with a clear fee schedule before any engagement begins.

If you have financial goals, face complex decisions, or simply want a professional to help you organize your financial life, an advisor can add significant value. We work with clients at every stage, from early career professionals to retirees. If you are unsure, schedule a conversation with us and we will give you an honest assessment of whether we can help.

Fee-only advisors are paid exclusively by their clients. Fee-based advisors charge fees but may also earn commissions or other compensation from product sales. The distinction matters because fee-based advisors can have financial incentives to recommend certain products over others. At Ferrante Capital, we are strictly fee-only.

We have no account minimum. We believe quality financial advice should be accessible regardless of how much you currently have. Whether you are starting with your first investment or managing significant wealth, we are ready to work with you.

Schedule a conversation through our website or contact page. The initial meeting is a chance for us to learn about your situation and for you to learn about how we work. There is no cost or commitment for this first conversation. If we are a good fit, we will outline a clear path forward.

A fiduciary is legally obligated to act in your best interest. As a registered investment adviser, Ferrante Capital has a fiduciary duty to every client. This means we must put your interests ahead of our own in every recommendation we make. Not all financial professionals are held to this standard.

We work with individuals and families across Virginia at every financial stage. Our clients include young professionals, dual-income families, business owners, pre-retirees, and retirees. We do not have a narrow niche because we believe good financial advice should not depend on your net worth or career.

Your money is held at a third-party custodian, never with us directly. We manage your investments within your custodial account, but we do not have the ability to withdraw or transfer your funds. This separation is an important layer of protection for our clients.

We serve clients throughout the Commonwealth of Virginia. While our office is in Virginia Beach, we work with clients in Norfolk, Chesapeake, Hampton Roads, Richmond, Fredericksburg, Northern Virginia, and everywhere in between. Most of our client communication happens through a combination of in-person meetings and video calls.

We started as investors and traders before becoming advisors. That gives us a different perspective on risk, portfolio construction, and what actually drives long-term results. We are fee-only, so we have no product conflicts. We have no account minimums, so access to quality advice is not gated by wealth. And we are a team of three founders, which means you get depth and collaboration, not a solo practitioner.

For an initial conversation, you do not need to bring anything. If we move forward together, we will provide a checklist of documents and information we need, which typically includes tax returns, investment statements, insurance policies, and any existing financial plans. We keep it straightforward.