What We Do
We believe that every person and every family can benefit from having a comprehensive plan in place to help them meet the goals that are important to them. Life is too short to live unhappily, and our goal in financial planning is to increase happiness. Work should be fun and rewarding, both financially and in a sense of personal accomplishment. Our clients work hard, and we can help them maximize the benefits of their hard work. Helping individuals and families attain financial success is important work, and we are proud to do it.
Our Services
Retirement Planning
Investment Management
Tax
Planning
Risk and Insurance Planning
Estate Planning
Coordination with Advisors
Education & Student Loan Planning
Employee Benefits Planning
Stock Option & Equity Compensation Planning
Alternative Investments & Real Estate
Business Planning
Financial Planning & Investment Management Work Together
Investments are an important component of every financial plan. We believe that long term success in investing is best achieved by matching your strategy to your goals, and then sticking with that strategy through the inevitable ups and downs of the markets. We do not believe in timing the market or trying to beat the market. We do believe in helping our clients understand what they are invested in and what to expect from those investments in the short-term and long-term. We value transparency and we help our clients see the potential return, potential volatility, expected income, and annual expense for every holding in their portfolio. When we manage your portfolio, we are able to provide a higher level of service, handling the trading, transfers, and paperwork.
Simple Transparent Pricing
FIRST $0-$1,000,000
IN ASSETS UNDER MANAGEMENT
-
Annual Fee Billed Quarterly
$1,000,000 - $2,000,000
IN ASSETS UNDER MANAGEMENT
-
Annual Fee Billed Quarterly
OVER $2,000,000
IN ASSETS UNDER MANAGEMENT
-
Annual Fee Billed Quarterly
For example, an investment of $1,500,000 would be billed at 1.5% for the first million and then 1% on the next $500,000.
The fee is stated as an annual percentage, billed quarterly in arrears.
What if I only need planning, and not investment management?
Occasionally we work with clients to help them develop a plan and they don’t need assistance with managing their accounts. In those cases, we charge a flat fee for the initial plan or $4,500 – $10,000 and, if the client wishes to continue working together, an ongoing annual planning fee that depends on the individual needs of the client. The ongoing annual fee is billed quarterly.
What if I only need asset management, and not financial planning?
Some clients just need help with the investment management tasks and not with a holistic plan. For those clients, we may be able to charge a lower asset management fee. Talk to us about what your needs are and let’s see how we can help!
What is the process? How can I get started?
Schedule a 30 Minute Call - Tell us about yourself and what has led you to seek financial planning and investment management advice.
We will ask you to complete an online Financial Planning
Questionnaire and submit any documents needed via secure upload.
We will then send you our financial planning and investment
management agreements and the first part of our fee would be required.
We will meet again to outline your expectations, concerns, and goals.
This will include completing a risk tolerance assessment to help
develop your investment philosophy.
Plan Design includes clarifying plan assumptions and highlighting the strengths, weaknesses, opportunities and threats in your plan.
This will allow us to make prelimary recommendations and craft the
planning scenario that best matches your vision.
At the plan presentation meeting we will finalize the initial plan
and review the list of action items. We will also agree on a strategy for implementation of each recommendation. At this point, we will also
send you a investment policy statement for signature.
During implementation, we will open and transfer accounts using
electronic forms. We will also help you access your client portal and complete any recommended action items.
We will meet regularly to review tax opportunities and financial
tasks that need to be completed. In the meantime you will update
us on changes in your situation and goals.
We will also meet and review your investments and update you on overall market trends and your portfolio’s performance.
