FAQ

Question 1

What if Canopy ends up being the wrong fit?

Accepted Answer

We like to say we're easy to hire and easy to fire. If you've onboarding with us you can leave at any time. If you were to work with us for a quarter or two, you pay only for that period, and leave at any time with no penalties. You will be refunded for any partial fee paid. We never use investment products or structures that would disadvantage you if you decide to move on.

Question 2

Does your initial meeting carry a fee?

Accepted Answer

No—our initial meeting is complimentary and carries no obligation. It typically lasts about 15-30 minutes and is designed to determine whether there's a good mutual fit before moving forward.

Question 3

Where do you service clients?

Accepted Answer

We serve clients nationwide, meeting both virtually and in person. While our offices are located in Michigan, Arizona, and Wisconsin, we currently work with clients in 32 states—and can serve clients in all 50. Our flexible meeting options ensure consistent access and collaboration, wherever you are.

Question 4

How often will we meet or hear from you?

Accepted Answer

We typically meet two to three times a year for structured review meetings—often the right balance between staying well connected and avoiding unnecessary meetings. That cadence is always flexible and tailored to each client's preferences and needs. Beyond those scheduled reviews, communication remains active and meaningful. We reach out when decisions, planning opportunities, or life changes arise, and clients can contact us anytime.

Question 5

What's included in your fee?

Accepted Answer

Our fee covers ongoing financial planning, investment management, and tax-aware strategies—along with continuous guidance as your life and goals evolve. Clients are always welcome to reach out with questions or decisions; there are no extra charges for meetings or conversations.

Question 6

Who do you typically work with?

Accepted Answer

We work best with clients who value long-term planning, thoughtful advice, and collaboration. Many are professionals, executives, or families navigating complexity such as equity compensation, career transitions, retirement planning, or concentrated wealth.

Question 7

What types of clients do you usually work with?

Accepted Answer

Clients we work with tend to value experience and judgment over short-term performance. They want to grow wealth patiently, understand that markets fluctuate, and respect the relationship as a long-term partnership rather than on-demand trading support.

Question 8

Do you manage investments or just give advice?

Accepted Answer

We do both. We manage investments directly while also providing comprehensive advice across all aspects of their financial life.

Question 9

How does the planning process work?

Accepted Answer

We begin by understanding your goals, priorities, and full financial picture. From there, we build a plan together, implement it thoughtfully, and refine it over time as circumstances change.

Question 10

Where are my assets held?

Accepted Answer

Your assets are held at a third-party custodian, such as Schwab, in accounts that remain fully in your name. Canopy manages the investments, but you always retain ownership, transparency, and access.

Question 11

What happens if markets decline?

Accepted Answer

Market declines are a normal part of long-term investing, and we plan for them in advance. During volatile periods, we focus on discipline, diversification, and helping clients avoid emotional decisions that can derail long-term outcomes.

Question 12

Do you have an account minimum?

Accepted Answer

Yes, we generally work with clients who have at least $500,000 in investable assets. That said, we consider several factors beyond assets—including future potential, personality fit, referability, and age. If you're close to that amount or unsure what qualifies, we're happy to talk it through before scheduling a meeting.

Question 13

What should I expect for returns?

Accepted Answer

Partnering with an advisor doesn't guarantee market outperformance. Our role is to build diversified portfolios, manage risk, reduce taxes and costs, and help you stay the course through market cycles. The results often aren't visible on a statement but show up in the long-term outcomes you might otherwise miss.