Our Services & Fees

Are you looking for ongoing financial advice and investment management?

What we offer

We provide ongoing planning and advice about all aspects of your finances. This includes discretionary management of your investments and ongoing tax minimization planning.

What you get

The starting point of our ongoing service is the creation of your financial plan, which is the roadmap for future decision making. However, as life happens, financial markets do what they do and tax legislation changes, your financial plan will inevitably evolve over time. With our ongoing planning & investment management service, we're there to be your trusted partner to help you make the necessary decisions along the way.

After completion of your initial plan, we'll work closely with you throughout our relationship. Typical areas in which we provide ongoing advice are:

  • Annual portfolio withdrawal strategies

  • Roth conversions

  • Establishing when to claim Social Security

  • Selecting pension payment types

  • Transferring and/or consolidating investment accounts

  • Cash flow planning and budgeting

  • Reallocating investment portfolios

  • Determining health insurance options

  • Tax planning

  • Establishing a spending plan

  • Consolidating debt

  • Refinancing a mortgage

  • Buying or selling real estate

  • Purchasing / Exit strategies for closely held businesses*

  • Amending insurance coverage

  • Updating estate documents and beneficiary forms

  • Changing income tax withholding elections

Financial planning is a process, not a product. It's a close ongoing relationship between you and us involving regular meetings, webinars, calls, e-mails, etc. The ultimate goal is for us to help you make the best possible decisions around your finances to allow you to live your best possible retirement!

We'll typically have three formal meetings per year to update your plan, refine your portfolio withdrawal strategy, determine each year's tax planning objectives and actions, review estate plans and wishes, discuss any questions you have, etc. While the goal is to have the three official meetings each year, you're not limited to only working with us every four months...we're here for you as life happens! We're accessible by meeting, phone, e-mail or video conference as life unfolds and financial decisions need to be made.

Additionally, you'll have continuous access to your own personal finance portal through Right Capital, our financial planning software. Your Right Capital portal allows you to aggregate info from all of your various banking, investment and lending accounts into one single view. You'll be able to see and track your net worth, investment holdings, cash flow and various other financial reports.


We'll also provide ongoing discretionary management of your investable assets, through accounts held in custody at TD Ameritrade or Charles Schwab. We use a straightforward, passive and fee-conscious investing approach that ensures your portfolio will remain diversified, low cost and best allocated for your risk tolerance and financial profile. We typically invest using a combination of exchange traded funds ("ETFs") and/or institutional mutual funds that track major stock and bond and alternative indices.

For whom is this service best

This service is best for anyone looking for a trusted fiduciary partner to help with ongoing financial, tax and investment decisions throughout retirement. We provide advice on annual income planning and portfolio distributions, Roth conversions, investment management, tax-efficient gifting and charitable donation strategies, estate planning, etc. We also focus on long-term tax minimization throughout every step of our financial planning and investment management processes.

What it costs

For a Couple                            A flat annual fee, typically $9,500* per year

For an Individual                     A flat annual fee, typically $7,500* per year

*Your fee will be agreed upon prior to entering a formal engagement with us. Fees will be billed directly or deducted directly quarterly from your investment accounts under our management at TD Ameritrade or Charles Schwab.

* The fee may be higher if you are a business owner, have a highly structured legal estate, own private or illiquid investments, Real Estate Investment portfolio or otherwise have a lot of complexity in your financial life. We will quote you the final fee after having an introductory call.

 

Foundational Financial Planning

For those who need core planning. whether you are starting out in your life’s adventures or needing do over. We take a deep dive into the specifics of your situation, evaluate the various options you have and paths you could take, and run projections so we can see the impact of your decisions over the long-term. You’ll walk away with clarity on action steps to take next so you can confidently make further progress on your own. We review your annual service calendar to plan accordingly for your financial life, so that you can meet your goals.

$300 per month
(one hour a month)

Here’s what else you receive with the Program:

  • Initial help organizing your relevant financial information

  • Analyses and preliminary projections prepared before your scheduled meeting by your advisor (this means your meeting time is completely devoted to your planning needs, since we do this work beforehand)

  • A 1-hour conversation to dig deep with your financial advisor who will help create an action plan for you to use immediately, with a summary action plan to take and implement.

  • Email access after your session to answer any clarifying questions about what to do next to implement your new strategy.

Unlike many advisors, our ongoing fee is not tied solely to the amount of your investable assets. The size of your investment accounts is generally a poor gauge of the complexity of your financial life and therefore a poor gauge of the amount of time and resources necessary to provide you proper planning and advice.

Next step

This is a big decision, you will have questions and we will want to have a starter conversation. Set up an introductory call, on this call we will talk about your goals, and plans. We will talk about how we work with you.  If we are not the right fit for you and your family, we will happy recommend another advisor to you.



*Fees are billed quarterly from an investment account unless agreed upon at engagement.

*(1) Fees are subject to change with advanced notice in writing, COLA. (2) Financial planning fees can vary due to the complexity of the overall plan and client situation and may require additional time and fees. (3) Sub-advisors charge additional fees and are disclosed at engagement.  

**Note: all fees are based on the prevailing hourly rate and you will only be billed for time actually spent.

 Book an Introductory Call