Our firm is built to provide you with sound financial planning under a Fiduciary oath. We aren’t making money on the side at the expense of giving you the best advice possible. Instead, what you pay is what we make - and nothing more. Your best interest is our best interest.
No Hidden Agendas
Trusting a financial advisor is trusting an individual with the fate of your financial future. Be sure you’re putting that trust in a firm that views you as a unique individual with pressing financial concerns, not just another net worth used to build their business.
Comprehensive Financial Planning, Investment Management, and Wealth Management Services
Our Comprehensive Financial Planning and Investment Management include everything you need to achieve financial freedom; we offer continuous financial planning, ongoing investment management, full transparency, and exceptional technology to support your personalized experience.
Which Services Can I Expect?
Comprehensive Financial Planning
|Investor Composure Analysis||✓|
|Net Worth Analysis|
|Tax Management (Investments)|
|- Unlimited Calls and Emails|
- Client Portal & Planning Tools
- Access to Certified Financial Planning™
|Employee Benefits Optimization||✓||✓|
|Employee Retirement Plan Analysis||✓|
|Life/Home/Auto Insurance Review|
|Cash Flow and Debt Management|
|College Savings Strategy|
|Student Loan Analysis|
|Estate Plan Review|
|Charitable Gift Planning|
|Day-to-Day Financial Inquiries|
|Coordination with Attorney’s, CPA’s, and Insurance Agents|
Minimum of $500,000
~ Fee range ~ $1 - $499,999: 0.95% $500,000+: 0.30%
Includes both Comprehensive Financial Planning and Investment Management under a simplified fee structure.
Our Wealth Management service is best for those that have accumulated a substantial, and often complex, portfolio of assets. We combine comprehensive financial planning and investment management to ensure all facets of your financial wellbeing are addressed in a holistic manner.
Due to the complexity, we coordinate closely with your attorney and CPA, help establish a tactical charitable gift planning (if applicable), and heighten our focus in areas such as tax planning and tax management.
~ Fee range ~ $1 - $499,999: 0.95% $500,000+: 0.30%
* For example, investible assets valued at $1,000,000 would pay a fee of 0.625% resulting in an annual fee of $6,250. The quarterly fee calculation would be: (($500,000 x 0.95%) + ($500,000 x 0.30%) = $6,250) / 4 = $1,562.50
Precise Planning (Hourly-Based )
Precise Planning is for those that feel comfortable managing their family's financial wellness, but need expertise in specific areas.
The base fee for Precise Planning is $300, and includes the discovery meeting(s), presentation meeting(s), and intermediate data gathering. Precise Planning is not offered as a stand-alone service. Rather, Precise Planning will be the foundation by which the Hourly-Based Planning Services are added. The fee for service of each service is based on an estimated time for completion. The hourly fee is $200 and may be billed at one-quarter increments.
Hourly-Based Planning Services
Estimated Hourly Engagement
|Employee Benefits Review||1.25 Hours|
Examples include, but are not limited to, health/HSA/FSA/life/disability/dental insurance, retirement benefits, tuition reimbursement, and wellness programs.
|Investment Review||1.5 Hours||- Personal IRAs, brokerage accounts, and employer sponsored retirement accounts- Risk analysis- Cost analysis- Investor composure analysis- Alternative strategy recommendation|
|Insurance Review||1.5 Hours||Examples include, but are not limited to, a review of insurability need, term vs. permanent, legacy protection strategy, and review of existing and newly researched policy coverage|
|College Planning||0.75 Hours|
Examples include, but are not limited to, a review of future costs, tax efficient savings strategies, recommendation of account type, and investment strategy.
|Retirement Planning||4 Hours|
Examples include, but are not limited to, a review with recommendations around social security elections, tax efficient income strategy, investment strategy, pension income, required minimum distributions, and charitable gifting.
|Charitable Gifting Strategy||1.5 Hours|
Examples include, but are not limited to, a comprehensive review of current estate plan, potential estate issues, estate planning strategies, and tax efficiency.
|Tax Planning Strategy||1.5 Hours||Examples include, but are not limited to, strategies to minimize current and future tax liability as a part of your overall financial planning picture.*|
|Studen Loan Analysis||0.75 Hours|
Examples include, but are not limited to, strategies for debt repayment, consolidation and other financing options available to you. Additionally, we may provide recommendations on where to save money to facilitate debt repayment.
|Life Events||Hours are case-specific and mutually agreed upon|
Examples include, but are not limited to, financial strategy of purchasing new home or other large purchase, financial considerations of getting married, and strategies for paying down debt.
*We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you do not already have one you use.
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