Financial Planning & Investment Management

Start Now – Work toward Growing, Maintaining and Protecting your Generational Wealth
Schedule Your Free Strategy Session

Our full-service wealth management platform works best for clients with $500K or more in investment assets or minimum household incomes of $200K or more. However, we do have programs to accommodate households that fall below those thresholds, so they may grow their wealth and thrive.

We charge a minimum fee for establishing a plan and investment platform, which is outlined below. Our goal is to provide you significantly more value than the fee you pay. We believe that our perspective and implementation of financial planning and investment management principles seek to aggregate, position, grow, and protect your generational wealth, all for a low setup and maintenance charge and investment management fee (schedule outlined below).

We are affiliated with LPL Financial, giving you access to a complete & diversified suite of financial products including alternative investments* such as private equity, opportunity zone, hedge funds, and more as appropriate.


Our priority is helping you make sound financial decisions to take care of yourself and your family. How? By learning what is important about money to you beyond the essentials. We want to connect your dreams, goals, and resources to your plans to provide balance. Whether you are planning for your kids’ college or your retirement, and anything in-between; or if retirement is imminent, you need to match your risk tolerance to your asset allocation and segmented time frames.

Complimentary Consultation
• Initial “Fit” Meeting
• Identify priorities & expectations
• Define the scope of engagement and cost


Initiation & Implementation Process - Setup Fee $750 (discount with Investment Mgmt.)


Onboarding & Client Setup Process
• Client financial profile
• Aggregate accounts & upload financial documents
• Review income/cash flow
• Collect initial payment

Goals, Plan & Implementation
• Assess risks, review plan assumptions
• Capture short & long-term goals
• Provide plan recommendations; discuss strategies
• Set up financial Asset (Investment) Management accounts to implement strategy
• Collaboration with third-party providers.

Asset/Investment Management Fee
Asset & investment management
establishes the process for investment, review, and maintenance of your invested funds to meet your objectives for preservation and growth to fulfill your goals. It is separate from the setup and ongoing services above and entails the following:
•Establishing an allocation model based on risk tolerance.
•Identifying funds fitting the criteria for efficient growth (highest return at the lowest risk),employing a proprietary methodology.
•Quarterly testing, trend monitoring, and making fund replacements as necessary.
- Assets under management up to $500K – 1.5% - 1.65% per year
- Assets under management between $500k and $1 mil. – 1.25% - 1.5% per year
- Assets under management over $1 mil. – .85% - 1.25% per year

*Insurance and structured products, and alternatives investments have separate charges.

There are 2 Levels of Ongoing Services - Digital & Guided

Digital - Ongoing Services - Fee $750 Per Year* (Reduced to $500 with Asset Mgmt. below) – Billed Monthly
 

Annual Financial Plan Update, Quarterly Review, monthly newsletter & call access
•Proactive review and analysis
•Account tracking, rebalancing, and progress monitoring
•Call access and financial inquiries
•Reduced fees for special analyses*

 

Guided - Ongoing Services - Fee $1000 Per Year* (Reduced to $750 with Asset Mgmt. below) – Billed Monthly


Annual Financial Plan Update, Quarterly Review, monthly newsletter & call access
•Proactive review and analysis
•Account tracking, rebalancing, and progress monitoring
•Call access, financial inquiries and reduced fee on Special Analyses below
•Free: Detailed Tax Estimates – Tax-Efficient Drawdown Strategy – Estate Plan
- Long-Term Care Analysis

*Special Analyses Services:
•Any free service from Guided Services above
•Optimal Social Security strategy analysis
•Budgeting and cash flow, or Debt Management
•College planning or specific Goal planning