Comprehensive Financial Planning & Investment Management

Services:

Comprehensive Financial Planning

Comprehensive Financial Planning:

Financial planning is the road map to your future. Do you know where your next dollar is going? Is it helping to build flexibility so you can start that side business you’ve been dreaming about? Is it working in a tax-smart manner to fund your goal of retiring on-time? Or is it paying down debt in the most-efficient way possible?

Financial planning is an empowering process. In our initial year together, we will look at your entire financial picture. Where you want to go depends on your goals. We’ll first tackle the items that keep you up at night, and then we’ll scan your plan to highlight any issues or vulnerabilities. From there, we’ll make the best recommendations and introduce strategies tailored to your situation. Once we have your baseline plan in place, we’ll work together to implement solutions and continue to monitor the progress of your plan. Here’s what to expect:

Initial 30 minute complimentary consultation
4+ meetings over the next 12 months to discover, uncover, analyze, and make recommendations in all areas of your financial life
Your own financial dashboard and secure login
Analysis of cash flow and assistance with budgeting
Debt assessment, student loan analysis and repayment strategies
In-depth college funding analysis
Investment review and advice, including the development of an Investment Policy Statement
Retirement planning and distribution strategies
Social Security Optimization
Insurance review and recommendations
Maximization of employee benefits
Tax planning and projections
Estate planning
Charitable planning
For ongoing planning, we will usually meet twice a year to monitor your plan and stay on top of annual items (such as employee benefits, tax planning, charitable contributions, income recertification, Roth conversions, etc.). However, we aim to function as your thought partner. When things come up, as they do, we are always available by email or for additional meetings!
Recommendations you can trust. As a fiduciary, we are required to act in your best interest. In a commitment to objectivity, we don’t sell products or receive commissions on any of the recommendations we make.

Pricing:

Initial Year Core Planning: $2,400 - $3,600
Ongoing Financial Planning: $1,200 - $1,800 annually

Services:

Investment Management

Investment Management:

Investment management services are only offered to our comprehensive financial planning clients. We firmly believe in holistic financial advice, which means we believe investment management is most effective in the context of understanding your goals, your risk tolerance, your cash flow needs, your tax situation, your retirement dreams and timeline, and your legacy plans. Our investment approach is rooted in low-cost, tax-efficient portfolios to achieve your desired outcome while minimizing risk. With our investment management services you can expect:

Implementation of the Investment Policy Statement we develop together
Accounts held safely at a third-party custodian and secure access to your investment dashboard
Ongoing reinvestment and realignment of your portfolios based on deposits and withdrawals
Quarterly review and systematic rebalancing to keep you on track with your goals
Tax-efficient withdrawal strategies
Tax loss harvesting
Roth conversions
Accountability - a plan is only as good as its implementation! Life is busy and it is all too easy to put our future selves on the back-burner while tending to today’s immediate needs. By partnering with us for investment management, you get the peace of mind to know that your intentions are being fulfilled.

Pricing:

Asset management fees are tiered, based on the total dollar amount of assets, and assessed quarterly in arrears on a blended basis.

Prices starting at 0.90%/year