All financial services are conducted on a fee-only basis which means we do not sell products, receive commissions or referral fees
Basic Financial Planning
Many young families just need to take that first step! There’s a daunting array of things you could do to get started. But the best way is to understand where you are at currently with your financial situation. We have two ways you can determine this. One is to download our complimentary report that will help you understand and calculate your financial status. If you don’t have the desire or time to learn on your own, we can do it for you for a small fee. Simply provide us the data and we’ll perform the calculations. Typical fixed fee is $200.
As a second step for young families and if a broad-based financial plan is too big of a chunk, we can work with you to define a more streamlined plan that best meets your objectives and budget. We can calculate your financial status with a Cash Flow and Risk Management analysis. Typical fixed fee is $600.
Retirement planning is complex in and of itself with multiple ways to claim Social Security and steep penalties if you don’t claim Medicare on time. Included in our plan is an assessment of your employer plan, income planning, Social Security claiming strategy analysis, Medicare timing, investment projections, and evaluation of investment pool duration vs your longevity estimates. We run several retirement scenarios to help you determine the best possibility of success for not running out of money. Average fee is $900.
Broad-Based Financial Planning
Lumping all the financial planning modules together, we can provide a cost-effective broad-based financial plan to help meet your goals. We can advise you on the types of financial products available and guide you to a set of products specific to your situation and your risk tolerance level.
Our broad-based personal financial plan includes the following modules:
- Cash Flow Analysis
- Education Planning
- Risk Management Analysis
- Investment Strategy and Portfolio Design
- Retirement Planning
- Tax and Estate Planning*
The average fee for a broad-based financial plan is about $1,200. However, the fee can be higher for complex situations or extensive portfolio analysis.
*Note: We assist with the financial planning aspects; you’ll still work with your chosen CPA or EP Attorney.
Investment Management Services
Tired of hidden fees, difficult to read reports, and lack of communication from your advisor? The old way just doesn’t cut it anymore. Welcome to low and transparent fees with personalized service. We offer fixed-fee investment management services designed for a middle-income pocketbook. You will get a quarterly report summarizing your holdings with all fees shown clearly in black and white. Our fixed-fee pricing is simple too: $130/month for accounts under $250,000 or $200/month for accounts over $250,000. Annual rebalancing is included in our fee.
For larger accounts or clients requiring additional or more frequent services, we also offer customized services for a percentage of Assets Under Management (AUM) ranging from .2% to 1% annually, depending on size and complexity.
All funds are held by custodian TD Ameritrade.
Investment Strategy and Portfolio Design
Already have an advisor or simply “do-it-yourself”? Perhaps a 2nd opinion would be valuable. We offer affordable investment advice and portfolio design, with an emphasis on proper diversification. You will receive an investment plan designed for your unique goals, risk tolerance level and financial situation, including specific investment recommendations. With this service, you may leave your money with your current custodian. Average fee is $800.
Special Projects and Workshops
Special Projects can consist of most types of personal finance analysis that is not covered in the above bundled service offerings. Some examples include:
- Custom-designed limited-scope engagements
- “Ad-hoc” or “specific purpose” financial analysis
- Educational Seminars and Workshops
- Small Group Meetings
Consider our workshop services for your next company, church or community service meeting. We can tailor a custom set of topics to meet your needs.
Special projects can be priced at either hourly ($180/hr), as a fixed fee project, or retainer model fee, whichever fee model is best suited for the client.