Unlimited Financial Planning
Together Planning’s Unlimited Financial Planning services are designed for individuals and families looking to delegate financial planning and investing. We provide the same, high quality advice as our hourly financial planning offering with the additional benefit of ongoing portfolio management. You will have unlimited access to your advisor and regularly scheduled reviews to ensure your investments are in balance and your financial goals are on track.
Unlimited Financial Planning Topics
Cash Flow & Retirement Counsel
We run multiple scenarios as needed and provide advice to equip you to efficiently reach your goals.
- Retirement timing and probability of success
- Tax-efficient withdrawal strategies
- Social Security claiming strategies and pension election
- Tax planning strategies to reduce income taxes where possible
- Education funding analysis
- Home purchase decisions
- Employee benefits review
- Charitable giving strategies
Investment Analysis & Ongoing Portfolio Management
We analyze your current investments and whether they are appropriate given your goals, risk tolerance, and time horizon.
- Review of existing investments and their costs
- Development of risk tolerance profiles and appropriate asset allocation
- Ongoing management of your investment portfolio
Insurance Sufficiency
Evaluation of types and amounts of insurance needed based on your goals.
- Assessment of insurance needs
- Review of existing coverage
- Insurance recommendations
Estate Planning Design
Assist you, executors, or trustees in estate plan decisions.
- Identify estate planning goals
- Review of current estate design
- Determine if alternate design is more efficient based on your goals
Implementation
Rebalancing and assistance with implementation of insurance strategies and estate planning decisions
- Account paperwork
- Tax-efficient withdrawal strategies
- Trades and money movement
- Working with your insurance agents to implement recommended policies
- Ongoing coordination with your tax professional and estate planning attorney
Unlimited Financial Planning Process
Our process is designed to be flexible and customized to the needs of our individual clients. Below is an outline of our typical planning process, but we discuss what makes the most sense for your situation during our Get Acquainted meeting.
1. Initial Inquiry. Contact Us to learn more about our services and and schedule a free Get Acquainted Meeting.
2. Get Acquainted Meeting. We will meet in-person or virtually to discuss your needs and objectives, whether our services are right for you, and provide you and estimate for the cost of our services. In preparation for this meeting, you will need to complete our Confidential Questionnaire and Risk Tolerance Questionnaire located on our Forms page.
3. Data Gathering and Initial Preparation. At the conclusion of our Get Acquainted Meeting you will be provided with a secure online fact finder will need to complete your financial plan. After we receive your documents, we will ask clarifying questions if needed and schedule your Plan Presentation Meeting.
4. Goal Setting Meeting. In this meeting, we will discuss your expectations for the future, any financial questions or concerns weighing on your mind, and specific goals you have. We will also work through a risk tolerance questionnaire. You do not have to have your factfinder completed before this meeting.
5. Analysis and Plan Formulation. We will analyze the information you provided and review various options and opportunities to achieve each planning objective. We will then create our final report including our observations, assumptions, and specific recommendations with an action plan.
6. Presentation of your Financial Plan. At your Plan Presentation Meeting, we will review your financial plan and our recommendations. Together Planning will assist in implementing your plan as an Unlimited Financial Planning client.
7. Implementation. 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, including coordinating with other advisors, such as your tax professional, attorney and insurance broker.
8. Monitoring. 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.
Unlimited Financial Planning Pricing
At Together Planning, we value transparency. Our Unlimited Financial Planning fees are listed below. As fee-only financial planners, we do not receive any commissions whatsoever and are only compensated directly by our clients.
$0-$1,000,000
IN ASSETS UNDER MANAGEMENT
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Annual Fee Billed Quarterly
$1,000,000-$2,000,000
IN ASSETS UNDER MANAGEMENT
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Annual Fee Billed Quarterly
$2,000,000+
IN ASSETS UNDER MANAGEMENT
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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.