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Are you a HINRY? (High Income, Not Rich Yet)


You need financial planning.  What if you don’t meet their $1 million investment minimum, but you don’t want to settle for an 1-800#... talk to AC Echo

Why AC Echo?


Our goal is to guide you to a position, financially, so that you can do what you want, when you want, without stressing about money.

YOU’RE FINALLY MAKING $300K+ AND YOU DON’T KNOW HOW TO PRIORITIZE YOUR FINANCIAL GOALS.

We help clients with these questions every day.

You’ve accrued some student loans and it is stressing you out.

We can analyze them for you and come up with a plan to pay them off. 

Retirement. Student debt. Saving for kids’ college. Employee benefits.

We are your personal financial concierge with transparent pricing.


What is your financial finish line?

We can help you get there.


Physician and patient

Young professionals

Young professionals in meeting

Don't Delay Securing Your Financial Future

Schedule a Meeting

Who We Help

If you don’t meet their $1 million investment minimum, but you don’t want to settle for an 1-800#... talk to AC Echo


Our clients are HINRY’s (High Income, Not Rich Yet) who value transparency, quality and wisdom.  “High income” generally means a household income of $300,000 or more.  “Not Rich Yet” generally means investable assets of less than $1 million.


Young executive financial planner


Young Executives

From appropriately directing your bonus funds, to managing your stock options, and helping you save for retirement, we work virtually to fit your busy schedule.

Physician financial planning


Healthcare Professionals

As a healthcare professional your time is precious. That's why we work virtually to fit your busy schedule to help you craft a plan to pay down your student debt, purchase a home, save for retirement, and saving for your kids’ college education. 

Young lawyer financial planner


Lawyers

We collaborate with you to implement all the pieces of your financial plan. From planning for tax implications, saving for retirement, and devising plans for uneven cash flow. We can even make recommendations to other qualified professionals.

Do you know exactly what you own
and why you own it?

Leading Technology to Simplify and Organize your Finances

How It Works



Defined goals

Defined Goals

You’re eager to achieve financial independence; we’re here to help you define and prioritize your goals to jump start you on the path to success.

Virtual meetings

Virtual Meetings

We know you’re busy, and we want to get together in a convenient manner – whether that’s phone calls, virtual hangouts, or in person meetings.

Realistic Plans

Realistic Plans

We’ll explore your personal balance sheet, craft a plan specific to your finances & establish a realistic budget to pay off debts while saving for  your future.

Leading Tech

Leading Tech

At AC Echo, we harness the power of leading technology to streamline the investment and financial planning process. From an integrated investment and retirement planning portal, online plan delivery, and paperless process, we strive to simplify your financial life.


The typical AC Echo client pays –


Pricing for investment management, initial plan creation, and ongoing financial planning


Initial Plan Creation Fee**:

The typical AC Echo client pays a one-time fee between $2,500 and $3,500, depending on the complexity of their situation, to create the initial financial plan.

Ongoing Plan Implementation Fee:

After we create your financial plan, we’ll work with you during the year to implement each step and monitor your progress. We’ll hold scheduled annual reviews and also offer ongoing email support. 

Please note that during the first year, the plan implementation is complimentary. After the first year, we charge a flat monthly subscription between $149 and $249 per month, depending on the complexity of your situation.

Investment Management Fee*:

We are glad to help you manage your investment accounts, including rolling over old retirement plans, setting up contributory IRA’s, and funding your children’s college. Please note that the typical AC Echo client pays a flat 1% of assets managed.

* Per the AC Echo Form ADV Part 2A, AC Echo reserves the right to charge up to 1.25% of AUM for investment management services. Please note this fee is negotiable, but AC Echo is not required to negotiate or alter their quoted fee.

** Per the AC Echo ADV Part 2A, the initial financial plan setup fee ranges from a minimum of $2,500 to a maximum of $10,000. Most clients fall within the range of $2,500 to $3,500. However, should a client need a plan that covers atypical or specialized topics, AC Echo reserves the right to charge up to $10,000.

We're Here for You

Schedule a Meeting


Your On-Call Advisors

Our experienced team has a passion for working with young professionals and families to help them establish a sound financial future. Our advisors are especially well-versed on the specific needs of physicians and medical residents who are balancing paying off student loans while saving for their families future.

Eric Chetwood, CFP® Photo

Eric Chetwood, CFP®

Managing Partner
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Eric Chetwood CFP®

Eric Chetwood, CFP® graduated from the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill in 2003 with a Bachelor’s degree in Business Administration. His primary responsibilities consist of helping clients with comprehensive financial planning and portfolio construction.

In 2007, Eric became a Certified Financial Planner. This year-long program and 10 hour final exam covered various aspects of financial planning such as:

  • Education planning
  • Investment management
  • Portfolio construction
  • Estate planning
  • Income tax planning
  • Insurance planning
  • Stock option analysis
  • Fiduciary responsibility

Eric’s CFP designation requires 30 hours of continuing education every two years, which helps him stay current on changes and updates to tax laws and economic forecasts.

Away from the office, Eric enjoys effecting change in the local community. Currently, Eric serves as a directional Elder at the Summit Church. He also serves on the board of directors for the Samaritan Health Center, an organization that provides medical care to uninsured and low income families in Durham. He and his wife, Allison, have one son and are passionate about adoption advocacy as well as leveraging their gifts and resources to alleviate physical and spiritual poverty through microfinance and social businesses. Eric and Allison’s hobbies include dancing, traveling, and cheesecake.

Rick Adams, MFS Photo

Rick Adams, MFS

Managing Partner
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Rick Adams

RICK ADAMS began his career as a financial advisor with Wheat First Securities in 1989 remaining with the firm for twenty-five years. During his time there, the company carried six different brand names, the last being Wells Fargo Advisors. He spent much of his career as a Senior Vice-President, Investment Officer eventually leaving Wells as a Managing Partner.

Rick earned a Bachelor of Arts degree from the University of North Carolina at Chapel Hill. After graduation, he spent one year studying market economics at Grove City College in Pennsylvania. It was here while learning to apply the principles of macroeconomics to stock analysis that he developed his passion for finance. Throughout his career Rick has continued to hone his skills by taking classes in mathematics, statistics, finance, and accounting. Two years ago, he embarked on a graduate program at Northeastern University in Boston and expects to receive his Masters of Finance in August 2017.

In May 2015, Rick along with business partner Eric Chetwood left Wells Fargo Advisors to form Adams Chetwood Wealth Management Group. Today, Rick focuses on delivering customized investment planning strategies for high-net-worth individuals, families and institutions. 

In August 2017, Rick earned his Masters of Finance degree from Northeastern University where he further developed his analytical and financial management skills.

In 1987, Rick married Jane Woodson Adams. The couple have four adult children residing in North Carolina, Colorado, and Louisiana. Rick is committed to helping his community prosper. He serves on the Board of Trustees for Durham Technical Community College and chairs Parents for Educational Freedom in North Carolina. He is also an elder at Restoration Church here in Durham. Rick carries a passion for young people in this area, currently serving on the local board for Young Life. He has also served as a member of the Board of Trustees of Trinity School and the Agapé Corner School, which serves at-risk, inner city youth. For ten years he was on the Board of Directors of Pregnancy Support Services in Durham.

Michelle Disney, CFP® Photo

Michelle Disney, CFP®

Chief Operations Officer
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Michelle Disney CFP®

Michelle Disney CFP® graduated from the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill with a degree in Business Administration and a concentration in Marketing. Michelle has obtained her Series 66 securities registration in addition to the North Carolina Life and Health Insurance license.

In 2010, Michelle went on to earn the CERTIFIED FINANCIAL PLANNERcertification by completing a rigorous course of study and series of exams covering topics such as insurance and estate planning, employee benefit and tax planning, as well as investment and retirement planning.

As the Chief Operations Officer and Chief Compliance Officer, Michelle’s responsibilities include crafting client financial plans, managing clients’ investment portfolios, directing firm operations, managing the firm’s compliance policies, supervising staff, and directing the business’ marketing initiatives.

Away from the office, Michelle is involved with animal welfare groups including the Coalition to Unchain Dogs and the Humane Society of the United States.

Katherine Edwards, CFP® Photo

Katherine Edwards, CFP®

Financial Planning Associate
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Katherine Edwards


Originally from Charlotte, NC, Katherine graduated from UNC Chapel Hill in 2011 and then worked for two years as a Branch Service Associate at UBS Financial Services, handling client operations across two complexes. Katherine went on to earn her Series 7 and Series 66 investment licenses and then joined our team in March 2016 as a Registered Client Associate.

In July 2017, Katherine was authorized by the Certified Financial Planner Board of Standards (CFP Board) to use the CERTIFIED FINANCIAL PLANNER™ and CFP® certification marks in accordance with CFP Board certification and renewal requirements.

The CFP® marks identify those individuals who have met the rigorous experience and ethical requirements of the CFP Board, have successfully completed financial planning coursework and have passed the CFP® Certification Examination covering the following areas: professional conduct and regulation, general financial planning principles, education planning, risk management and insurance planning, investment planning, tax planning, retirement savings and income planning, and estate planning.

As a Financial Planning Associate, Katherine handles operational requests and also helps clients plan for retirement, budget for college savings, review their investments, and analyze their estate planning strategies.

Outside of work, Katherine enjoys running, traveling, reading, serving at her church in the children’s ministry, and learning how to cook new dishes.

Rebecca Gatlin Photo

Rebecca Gatlin

Client Associate
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Rebecca Gatlin


Rebecca Gatlin joined us in October 2016 as a Client Associate. In September 2017, Rebecca earned her NC Life and Health insurance license, and her duties include helping clients obtain life insurance policies as needed, handling client operational requests, and implementing marketing initiatives.

In her previous career, Rebecca worked as a Weight Loss Consultant at Jenny Craig counseling clients working towards health and fitness goals. In her previous role, Rebecca developed impeccable client service skills, and after working through the Dave Ramsey “Financial Peace” course in her spare time, she developed an interest in combining her love of helping people with her passion for personal financial management.

A graduate of NC State University, Rebecca earned her degree in Nutrition Science in December 2014. She and her husband Michael were married in May 2016, and so Rebecca is enjoying life as a newlywed and also as a mother to their black lab puppy, Olive. In her spare time, Rebecca enjoys traveling, reading, and updating their meticulous budget spreadsheet!

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Ready to Get Started?

Schedule a Meeting

Get Started Today with Our Streamlined Process


Schedule a call


1. Schedule a Call

Our introductory call will help us get to know you better and ensure we're a good fit. No synergy? No problem. We'll point you in the right direction.

Schedule Your Call


Listening meeting


2. Listening Meeting

During our strategy meeting we'll focus on you and your financial dreams. We'll then begin to formulate a sound financial road map for you to follow.

Action plan


3. Action Plan

Your customized action plan will be unique to your needs and will set you on the path to achieve your financial goals.


Connect With Us

Want to know more about how it all works? Shoot us an email or call us via the information below:


QUESTIONS? CONTACT US @

katherine.edwards@adamchetwood.com
(919) 287-5660

LOCATION

AC Echo
3917 University Drive Suite 200
Durham NC 27707

"By failing to plan, you are planning to fail."

- Benjamin Franklin