FAQ
Straight answers, gathered in one place.
Every question and answer from across the site. If yours isn’t covered, the fastest way to a clear answer is a short conversation.
Working together
Who HomeBrook works with, what a fiduciary is, how the fee works, and whether you need a certain amount to start.
See who we help- Who does HomeBrook work with?
- People who built it themselves, mostly: families still saving, career-long savers with more put away than anyone would guess, people with retirement on the calendar or already here, and their kids opening a first Roth. Some have worked with advisors for years; plenty never have.
- Are you a fiduciary?
- Yes. We're held to a fiduciary standard, which means we're required to put your interests first, not steer you toward whatever pays us the most.
- How do you get paid?
- Mainly a transparent fee based on the assets we manage for you, so we do better when you do. If insurance genuinely fits your plan, we'll walk you through how that works too. No hidden costs.
- Do I need a certain amount to get started?
- We work with people at different stages, from younger families just getting serious about saving to retirees managing what they've built. The best first step is simply a conversation.
How the work happens
What a first conversation covers, how often we talk, how portfolios get built, and where taxes fit in.
See the four steps- What does a first conversation look like?
- Mostly questions: what you've saved, where it sits, and what you want the money to do. No pitch and no homework. You leave with an honest read on where you stand, whatever you decide.
- How often will we talk?
- Quarterly by default, plus whenever something comes up on either side. Some clients want more, some want less. You set the cadence.
- Is every portfolio the same?
- No. Some clients are best served by diversified, low-cost ETFs; some want stock strategies, which carry more risk and aren't for everyone. Nothing gets recommended until we know your goals, your timeline, and what you already own.
- Do you help with taxes?
- All year, not just in April: funding the right accounts, drawing from them in the right order, and timing conversions, gains, and giving. We don't prepare your return, but we coordinate with the person who does.
The services
What the work includes beyond the portfolio: old 401(k)s, moving accounts, Roth conversions, and your CPA and attorney.
Explore the services- Do you only manage investments?
- No. The portfolio is one piece. The work covers saving, taxes, insurance, retirement income, and what you eventually pass on, and every recommendation gets checked against the rest of the plan.
- What happens to my old 401(k)s?
- First they all get onto one page. Then it depends: some get rolled into an IRA, some stay right where they are because the plan is good. Fees, investment options, and taxes decide, not a default.
- Do I have to sell everything to move my accounts?
- No. Most holdings can transfer as they are, and anything worth changing gets unwound on a tax-aware schedule. Moving shouldn't cost you a tax bill on day one.
- When does a Roth conversion make sense?
- Usually in lower-income windows. The years between retiring and required withdrawals are the classic one. We model it year by year; sometimes the answer is not yet, or not at all.
- Will you work with my CPA and attorney?
- Yes, and we'd rather. They know your history; we bring the plan. We coordinate with them through the year so nothing falls between the cracks.
The firm
Who stands behind the one adviser across the table, and where your accounts actually live.
Meet the firm- Is HomeBrook a one-person shop?
- HomeBrook is Marc's practice, so you always work with Marc. Behind it sit Convergence, an independent Overland Park firm, and LPL Financial, where accounts are held. Small practice, deep bench.
- Where is my money actually held?
- At LPL Financial, Member FINRA/SIPC. HomeBrook never takes custody of your money. Your statements come from LPL directly, and you can see your accounts any time.
Get in Touch
Start with a conversation.
Tell us where you are and what's on your mind. We'll listen, ask questions, and tell you honestly whether we can help.
- A fiduciary who puts your interests first
- One clear plan for your retirement, your taxes, and your legacy
- Straight answers, no jargon, no pressure
- A relaxed first conversation, with no obligation
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