Retirement. Planning. On-Going.
We Offer 4 Service Categories to Help you Now, and Throughout Your Retirement
Financial Planning
Initial Plan – Generally, for those that are in the pre-55 age group. Focus is on the wealth accumulation stage and retirement projections. Considerations include:
- Cash Flow Analysis
- College Planning
- Risk Management
- Portfolio Design
Retirement Planning
Initial Plan – Generally, for those that are age 55 and up. Retirement Planning shifts from wealth accumulation to wealth distribution. Retirement Planning includes:
- Income Planning, including Social Security Optimization
- Retirement Scenarios (“what if” scenarios)
- Tax-efficient Withdrawal Strategies
- Tax and Estate Planning (financial planning aspects only)
On-Going Planning
Goes beyond the above Initial Plan creation and provides professional expertise to help execute and monitor the written plan. Clients with an On-Going services contract have a personalized service calendar providing financial advice throughout the year. Requires one of the above Initial Plans
Plan Update
For clients that already have a written Initial Plan and want a yearly check-up a particular category of their Initial Plan. This is ideal if you just want your portfolio projections updated on a yearly basis. Requires one of the above Initial Plans
Services Fee Schedules
Planning Services
A Word on Fees
Financial planning fees may seem like a steep out-of-pocket cost just looking at the surface. There are several things to consider when you compare fee schedules:
- In a 2019 study by the Financial Planning Association, the average cost for a standalone comprehensive financial plan was found to be $2,400
- We keep our fees lower by using an all-digital (virtual) Client Experience for onboarding, Planning, and on-going services
- Our deliverable is a written document created by a finance professional, not a salesperson
- Understand the different Advisor compensation models here: Financial Advisor Compensation Models
If you are looking for a boutique firm that caters to a small number of clients, want a long-term relationship, and need help with those “retirement anxieties,”
Fee Schedule Disclosures
The Initial Plan pricing shown is the minimum basic one-time Plan creation fee. Additional items that may add cost to the minimum basic price include, but not limited to:
- A significant number of accounts to analyze
- Manual entry of account information (vs client performing account aggregation)
- Other client-requested analyses such as small business modeling
- Executive Compensation
For each add-on item, we will estimate an additional fee to add to the minimum base price. You will receive a written contract with all the services and fees identified before any work is begun.
Actual pricing for your project will be stated in a written contract that we jointly agree to before any work is performed.
Please note that we are not tax advisors or estate planning attorneys. We provide guidance in these areas but not specific advice. See your CPA for tax advice or your Estate Planning Attorney for legal advice.