FINANCIAL PLANNING & INVESTMENT ADVICE
What Do I Get?
The first year features 6 or more meetings (video or face-to-face). We'll get clear on your values and goals and cover all the important aspects of your financial life. We'll look at where you are now, where you want to go, and how you’ll get there.
With ongoing planning, investment management is also included. You'll be advised to take the least amount of risk possible to get the rate of return required to achieve your goals. We'll then select your specific investments, tax harvest once per year, and rebalance your portfolio twice per year. You'll also be glad to know that we always cover all the trading costs for the accounts we manage.
Depending on what’s going on in your life, in subsequent years you can expect 2-3 review meetings. We are otherwise available to you as needed throughout the year.
Who's It For?
If the clock is ticking, life is changing. Your financial plan needs to flex to handle the flux. You get ongoing guidance so you aren't slowed down by the changes.
How Much Does It Cost?
We charge through a combination of investment management fees and monthly planning fees.
As an independent investment advisor, we do not receive any form of commissions or referral fees. We are paid based on a tiered percentage of assets under management with no minimum annual fee. We keep costs low for you by avoiding mutual funds with sales charges and using low cost ETFs. Our fee is 1.25% annually on the first $1 Million you invest with us.
Your investments not managed by us are not subject to any fees. For example, if you participate in an employer-sponsored 401K plan, we would not charge any fees on that account.
The monthly planning fee is $250 per month. However, when we're managing your investments, the planning fee is reduced or offset by any investment fees you pay us. The planning fee is waived entirely once we are managing $250,000 or more of your assets.
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