Financial Planning
When you engage us in the planning process, we take a comprehensive view of your financial situation, values, and goals. We become a trusted partner, helping you articulate your objectives and how to achieve them, guiding you through wise decisions, and making sure you stay on track in every season of life. To put it simply, we help you live in harmony with your money. Below are some of the ways we help our financial planning clients.
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Establish goals for
savings and monitor cash flow -
Outline retirement savings plan,
college fund, and other long-term goals -
Assist with tax planning strategies -
Review employer benefits to help
you capitalize on opportunities -
Review life and disability insurance
to ensure adequate coverage
Investment Management
When you partner with us, we may also manage your investment accounts as part of your
comprehensive financial plan. Below are some of the ways we help with investment management.
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Determine asset allocation according to
your risk tolerance, goals, and timeline -
Conduct research of investment options
and provide unbiased recommendations -
Professionally construct portfolio,
focusing on low-cost investment options -
Regularly rebalance accounts
and provide progress reports -
Provide access to online tools for you to
view all your accounts in one place
Our Planning Process
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I
We’ll start with a simple phone call that allows us to get to know each other better and gives us an idea of what you want from the planning process.
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II
From there, we’ll send you a proposal outlining our next steps and discuss any questions you might have.
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III
Once you sign our planning agreement, we’ll begin gathering data. We’ll ask you to send us certain documents and information so we can get an idea of where you are currently.
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IV
Next, we’ll schedule a discovery meeting, where we’ll spend time discussing your values, concerns, goals, and current financial situation. This helps us understand where you are and where you want to go so we can plan effectively.
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V
From there, we’ll meet several times over the next few months to develop your financial plan. During this stage (and throughout the process), you can ask questions, make adjustments, and fine-tune until you’re comfortable with your plan.
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VI
Once we have a plan in place, we’ll work with you to implement and maintain your strategies over time. We’ll continue to meet regularly, address changes that will inevitably arise, and make sure you stay on track to meet the goals you have for your finances and your life.
Our Planning Fee
We charge an advisory fee based on the market value of the assets under management for ongoing financial planning and investment advisory services. Generally, we require a minimum investment portfolio of $500,000, but we may accept clients who do not meet this minimum. Fees are calculated as follows:
| Account Value | Annual Advisory Fee |
|---|---|
| $0 — $250,000 | 1.25% |
| $250,000 — $1,000,000 |
1.00% |
| $1,000,000 — $3,000,000 |
0.80% |
| $3,000,000 and Above |
0.65% |