We are proud to offer a wide range of comprehensive financial planning services to cover all your needs, implemented on fiduciary standards. Our services are designed to ensure financial guidance is available to all, and comprehensive financial planning is on-going — we hold your hand every step of the way.
Wealth Management Program
This comprehensive program is a full-service approach to financial planning. Within this program, we provide comprehensive financial planning along with managing your investment portfolio. Fees begin at 1.25% and decrease as your assets' size grows; the minimum annual fee is $5,625.
We do not have an asset minimum requirement. If your investable assets are lower than $450,000 within this program and do not meet our minimum annual fee, we allow you to supplement the difference outside of your assets via cash flow — our wealth accumulator payment option.
Portfolio Management Services
Our investment management services include creating a personalized allocation tailored to your holistic risk tolerance, with analysis and recommendations regarding psychological risk tolerance and money-related attitudes. Fees begin at 1.00% and decrease as your assets' size grows; the minimum annual fee is $3,000.
Core Service Groups
Our Wealth Management Program spans eight core groups of financial planning:
Fundamental Financial Planning
Credit review & optimization, net worth statements, debt strategy, emergency fund planning, employment benefits review, cash flow-based plans, college funding, career-change evaluation, student loan and home/auto loan review.
Investment Planning
Goals, risk tolerance and time horizon analysis; holdings review; Living Asset Allocation; retirement plan investment review; variable annuity and variable life insurance review; portfolio monitoring and rebalancing.
Retirement Planning
Pre-tax vs. after-tax contribution analysis, retirement projections and withdrawal planning, pension optimization, Social Security analysis, executive and deferred compensation strategy, Roth conversion analysis.
Tax Planning
Two-year tax return review, annual tax projections, tax-loss harvesting, and coordination with your CPA or tax professional.
Insurance & Risk Management Planning
Existing policy review, coverage gap analysis, life/disability/long-term-care education, property & casualty and umbrella policy review, long-term-care cash flow needs analysis.
Estate Planning
Will review, beneficiary review, estate document and asset titling review, estate planning flow charts, estate settlement and inheritance assistance, coordination with your estate attorney.
Philanthropic / Charitable Planning
Gifting strategy, charitable strategies using RMDs, charitable estate planning, Donor Advised Fund and Foundation guidance, advanced charitable gift planning.
Technology Access
Secure account aggregation, individual encrypted document storage, online scheduling and virtual meetings, and additional tools tailored to your needs.
Have questions? Get in touch — we're happy to walk you through every service.