Services & Fees
Our fee structure provides flexibility with purpose to support your individual goals.
Initial Services
Packages for financial planning engagements
Wealth Management
A comprehensive approach to all parts of a client’s financial life
Initial Services
Packages for financial planning engagements
NAVIGATING RETIREMENT | $3,250
- A detailed financial planning engagement intended for those already retired and are concerned that their portfolio needs a second opinion.
- Typically for those in their early-60s and beyond.
- Includes written recommendations, retirement and cash flow projections, Roth IRA conversion opportunities, 2-year tax planning, current portfolio review, asset allocation plan, and proposed portfolio.
- Basic review of estate planning, life, and long-term care insurance needs.
- Email and telephone support is provided for 30 days after the meeting.
RETIREMENT ROADMAP | $3,725
- A detailed financial planning engagement intended for those taking a serious look at when they might retire and are concerned that their portfolio needs a second opinion.
- Typically for those in their mid-50s to mid-60s.
- Includes written recommendations, retirement and cash flow projections, Social Security maximization analysis, current portfolio review, asset allocation plan, and proposed portfolio.
- Basic review of estate planning, and life, disability, and long-term care insurance needs.
- Email and telephone support is provided for 30 days after the meeting.
CORE FINANCIAL PLAN | $2,650
- A detailed financial planning engagement intended for those in the beginning stages of looking at when they might retire and wondering if they are on track to do so successfully.
- Typically for those in their mid-40s to late-50s.
- Includes written recommendations, retirement and cash flow projections, current portfolio review, asset allocation plan, and proposed portfolio.
- An add-on is available for education planning, if needed.
- Email and telephone support is provided for 30 days after the meeting.
FINANCIAL CHECK-UP SESSION | $795
- A single meeting that focuses on one or two financial issues. Followed by a short summary of recommendations sent to you after the meeting.
- This is not a detailed financial review and will not result in an extensive financial plan.
- Most appropriate for clients with fairly simple financial circumstances.
- Appropriate topics for discussion include: 401(k) investment choices, college savings strategies, and basic retirement forecasting.
- Email and telephone support is provided for 15 days after the meeting.
Wealth Management
A comprehensive approach to all parts of a client’s financial life
Wealth Management bundles financial planning services and investment management together for one fee. Clients are able to elect or opt-out of additional services. Included services and fees are detailed below.
| ESSENTIAL <$750,000 AUM | PRIME $750,001 – $999,999 AUM | LEGACY $1,000,000+ AUM |
|
|---|---|---|---|
| INVESTMENT MANAGEMENT | |||
| Annualized Asset-Based Fee | 1% | 1% | 1% – .25%* |
| * Once assets under management exceed $1 million, we do not charge an upfront fee or annual retainer. Our fee is a percentage of assets under management; as your assets increase, the blended rate decreases. | |||
Investment Management services include: Portfolio Monitoring, Trading, Capital Gain/Loss Evaluation, Investment Policy Statement, Daily Cash Monitoring, Asset Allocation, Asset Location, Dollar-Cost-Averaging, Periodic Investment Plans, Periodic Distribution Plans, Risk Tolerance Updates | |||
| General Financial Planning | |||
| Annual Fee | $1,200 – $1,800 | $0 | $0 |
| Retirement Projections and Updates A client’s finances, goals, and health are constantly changing; this requires periodic retirement plan updates that will inform recommendations. |  | | |
| Education Planning We will help determine what investment vehicle to use to save for education costs, how much to save, and how to invest those savings. | | | |
| Cash Flow Planning A client could have a variety of accounts and income streams. We work with clients to determine the best way to turn various assets in their portfolio into an income stream during retirement. | | | |
| Advanced Financial Planning | |||
| Annual Fee | N/A | $0 | $0 |
| Tax Planning We coordinate with allied professionals to communicate the investment income realized and strategize to distribute income in a tax-efficient manner. | | | |
| Social Security Maximization Determining when to claim Social Security benefits, and identifying what benefits a client is entitled to can be a decision with a $100k impact. | | | |
| Insurance Analysis We look at how death, disability, or long-term care needs could affect a client’s goals and how insurance should be used in the financial plan. | | | |
| Financial Planning for Children Educating and advising young and adult children of the clients regarding financial planning matters. | | | |
| Real Estate Analysis Assisting in analyzing a real estate investment such as rental property, purchasing a second home, or other real estate investment. | | | |
| Retirement Distribution Strategies Many clients know how to save prior to retirement but determining where to take money from in retirement can get tricky. Retirement income optimization is a very important part of the financial planning work we do as it can have a substantial impact on the taxability of a client’s income as well as how long one’s retirement assets can last. | | | |
| Roth Conversion Analysis Oftentimes, clients accumulate a large balance in tax-deferred retirement accounts and are then subject to required minimum distributions at age 72. Periodically converting funds from tax-deferred retirement accounts to Roth accounts can sometimes decrease the required minimum distributions and lessen the tax burden upon distribution of funds. Where appropriate, we analyze this annually to determine if a Roth conversion is a good strategy based on income realized for the year. | | | |
| Charitable Giving Giving is important to many of our clients. Developing strategies to give through tax-efficient methods and determining how much and when to give without impacting our client’s other goals are ways we facilitate the charitable giving process. | | | |
| Estate Planning In our experience, clients often have estate planning documents drafted but then have assets that either are not properly titled or beneficiaries are not listed consistently with the documents created. We work to help align the accounts, ensuring the designated beneficiaries are consistent with their goals and written estate plan. | | | |
| Business Entity Selection Advice Working with a clients’ CPA and attorney, we help our clients determine the best business structure based on their income tax situation as well as their other retirement savings goals. | | | |
| Relationship Management | |||
| Annual Fee | N/A | $2,000 | $0 |
| Tax Professional Coordination We meet with our client and their CPA to plan how best to realize income and discuss tax strategies that could be employed in an attempt to provide tax savings to our client. | | | |
| Estate Professional Coordination We meet with our client and their estate planning attorney to make sure the client’s financial assets are in alignment with the written estate plan, update the attorney as the client situation changes, as well as provide any necessary information the client and attorney will need to ensure accurate documents are drafted. | | | |
| Insurance Professional Coordination We meet with our client and their insurance agent to discuss possible risks to our client’s financial situation and how an insurance product could be utilized to help mitigate that risk, if it is the best product to meet the need of our client and facilitate the application process. | | | |
Initial Services
Hourly packages for financial planning engagements
NAVIGATING RETIREMENT | $3,250
- A detailed financial planning engagement intended for those already retired and are concerned that their portfolio needs a second opinion.
- Typically for those in their early-60s and beyond.
- Includes written recommendations, retirement and cash flow projections, Roth IRA conversion opportunities, 2-year tax planning, current portfolio review, asset allocation plan, and proposed portfolio.
- Basic review of estate planning, life, and long-term care insurance needs.
- Email and telephone support is provided for 30 days after the meeting.
RETIREMENT ROADMAP | $3,725
- A detailed financial planning engagement intended for those taking a serious look at when they might retire and are concerned that their portfolio needs a second opinion.
- Typically for those in their mid-50s to mid-60s.
- Includes written recommendations, retirement and cash flow projections, Social Security maximization analysis, current portfolio review, asset allocation plan, and proposed portfolio.
- Basic review of estate planning, and life, disability, and long-term care insurance needs.
- Email and telephone support is provided for 30 days after the meeting.
CORE FINANCIAL PLAN | $2,650
- A detailed financial planning engagement intended for those in the beginning stages of looking at when they might retire and wondering if they are on track to do so successfully.
- Typically for those in their mid-40s to late-50s.
- Includes written recommendations, retirement and cash flow projections, current portfolio review, asset allocation plan, and proposed portfolio.
- An add-on is available for education planning, if needed.
- Email and telephone support is provided for 30 days after the meeting.
FINANCIAL CHECK-UP SESSION | $795
- A single meeting that focuses on one or two financial issues. Followed by a short summary of recommendations sent to you after the meeting.
- This is not a detailed financial review and will not result in an extensive financial plan.
- Most appropriate for clients with fairly simple financial circumstances.
- Appropriate topics for discussion include: 401(k) investment choices, college savings strategies, and basic retirement forecasting.
- Email and telephone support is provided for 15 days after the meeting.
Wealth Management
A comprehensive approach to all parts of a client’s financial life
Wealth Management bundles financial planning services and investment management together for one fee. Clients are able to elect or opt-out of additional services. Included services and fees are detailed below.
| ESSENTIAL <$750,000 AUM | PRIME $750,001 - $999,999 AUM | LEGACY $1,000,000+ AUM |
|
|---|---|---|---|
| INVESTMENT MANAGEMENT | |||
| Annualized Asset-Based Fee | 1% | 1% | 1% - .25%* |
| * Once assets under management exceed $1 million, we do not charge an upfront fee or annual retainer. Our fee is a percentage of assets under management; as your assets increase, the blended rate decreases. | |||
Investment Management services include: Portfolio Monitoring, Trading, Capital Gain/Loss Evaluation, Investment Policy Statement, Daily Cash Monitoring, Asset Allocation, Asset Location, Dollar-Cost-Averaging, Periodic Investment Plans, Periodic Distribution Plans, Risk Tolerance Updates | |||
| General Financial Planning | |||
| Annual Fee | $1,200 - $1,800 | $0 | $0 |
| Retirement Projections and Updates A client’s finances, goals, and health are constantly changing; this requires periodic retirement plan updates that will inform recommendations. | | | |
| Education Planning We will help determine what investment vehicle to use to save for education costs, how much to save, and how to invest those savings. | | | |
| Cash Flow Planning A client could have a variety of accounts and income streams. We work with clients to determine the best way to turn various assets in their portfolio into an income stream during retirement. | | | |
| Advanced Financial Planning | |||
| Annual Fee | N/A | $0 | $0 |
| Tax Planning We coordinate with allied professionals to communicate the investment income realized and strategize to distribute income in a tax-efficient manner. | | | |
| Social Security Maximization Determining when to claim Social Security benefits, and identifying what benefits a client is entitled to can be a decision with a $100k impact. | | | |
| Insurance Analysis We look at how death, disability, or long-term care needs could affect a client’s goals and how insurance should be used in the financial plan. | | | |
| Financial Planning for Children Educating and advising young and adult children of the clients regarding financial planning matters. | | | |
| Real Estate Analysis Assisting in analyzing a real estate investment such as rental property, purchasing a second home, or other real estate investment. | | | |
| Retirement Distribution Strategies Many clients know how to save prior to retirement but determining where to take money from in retirement can get tricky. Retirement income optimization is a very important part of the financial planning work we do as it can have a substantial impact on the taxability of a client’s income as well as how long one’s retirement assets can last. | | | |
| Roth Conversion Analysis Oftentimes, clients accumulate a large balance in tax-deferred retirement accounts and are then subject to required minimum distributions at age 72. Periodically converting funds from tax-deferred retirement accounts to Roth accounts can sometimes decrease the required minimum distributions and lessen the tax burden upon distribution of funds. Where appropriate, we analyze this annually to determine if a Roth conversion is a good strategy based on income realized for the year. | | | |
| Charitable Giving Giving is important to many of our clients. Developing strategies to give through tax-efficient methods and determining how much and when to give without impacting our client’s other goals are ways we facilitate the charitable giving process. | | | |
| Estate Planning In our experience, clients often have estate planning documents drafted but then have assets that either are not properly titled or beneficiaries are not listed consistently with the documents created. We work to help align the accounts, ensuring the designated beneficiaries are consistent with their goals and written estate plan. | | | |
| Business Entity Selection Advice Working with a clients’ CPA and attorney, we help our clients determine the best business structure based on their income tax situation as well as their other retirement savings goals. | | | |
| Relationship Management | |||
| Annual Fee | N/A | $2,000 | $0 |
| Tax Professional Coordination We meet with our client and their CPA to plan how best to realize income and discuss tax strategies that could be employed in an attempt to provide tax savings to our client. | | | |
| Estate Professional Coordination We meet with our client and their estate planning attorney to make sure the client’s financial assets are in alignment with the written estate plan, update the attorney as the client situation changes, as well as provide any necessary information the client and attorney will need to ensure accurate documents are drafted. | | | |
| Insurance Professional Coordination We meet with our client and their insurance agent to discuss possible risks to our client’s financial situation and how an insurance product could be utilized to help mitigate that risk, if it is the best product to meet the need of our client and facilitate the application process. | | | |
Not Sure Where to Start?
Simply tell us a little bit about yourself and we will help you choose the best financial path.