Services
What we offer
While each relationship is unique, our services generally include the following:
- Comprehensive Financial Planning by a Certified Financial Planner® – tax, debt, insurance, estate, college savings, etc.
- Retirement Income Planning
- Tax-efficient Portfolio Withdrawal Strategies – including Roth conversion analysis
- RMD Calculation and Distribution
- Social Security & Pension Analysis
- Personalized Investment Strategy and implementation overseen by a Chartered Financial Analyst®
- Ongoing Portfolio Monitoring & Rebalancing
- Tax-loss Harvesting
- Charles Schwab and Fidelity as Third-Party Custodians
Our Flat Fees
We don’t earn commissions for selling products or charge a percentage of the portfolio we manage for our clients. Instead, we charge a flat annual fee for our services based on the needs of our clients, not their net worth.
Level 1
Annual Fee
Individual: $6,000
Couple: $7,200
Our Level 1 clients are usually long-time savers approaching or in retirement. Most of their investments are held in retirement accounts (401k or IRAs). They are looking for help deciding if they have enough to retire and managing their investments through retirement. They also often have questions around things like taxes, debt, social security, and health insurance.
Level 2
Annual Fee
Individual: $8,800
Couple: $10,200
Our Level 2 clients usually have (or had) high incomes. Because of this, they have significant investments outside of retirement accounts. These taxable investment accounts require more careful and custom management to avoid unwanted capital gains. Many Level 2 clients also have additional planning needs, such as gifting of appreciated assets and Roth conversions.
Level 3
Annual Fee
Based on complexity
Typically $12,000 – $20,000
Our Level 3 clients have particularly complex financial lives. They often have a half dozen or more investment accounts, as well as real estate or private equity investments. Many are (or were) business owners, C suite executives or tech employees with high and complex incomes. Some have special trusts and foundations to protect assets and leave a legacy.
Unique benefits of our flat fee approach:
Unbiased Advice
Unlike most financial advisors who earn commissions or who charge based on a percentage of your portfolio, our compensation doesn’t vary based on the recommendations we make. This enables us to establish deep, trusted partnerships with our clients, advising on all areas of their financial lives – without the conflicts of interest or narrow focus so common in the industry.
Lower Overall Costs
Since we don’t receive commissions or kick-backs of any kind, we are able to implement your plan with lower-cost investment and insurance vehicles usually available only to large institutions. In addition, our flat fee often represents significant savings to those with portfolios over $1,000,000, compared to the traditional percentage of assets approach.