what we offer
Full Spectrum Planning
How It Works
Option 1: Financial Planning Service
Designed for those looking to create a comprehensive strategy for long-term wealth. The process consists of an exploratory and plan generation process leading to a written financial plan customized to client goals, values, time horizon, risk tolerance and resources available. Leads to the following deliverables:
- Written financial plan customized to client goals, values, time horizon, risk tolerance and resources available. Generally address the topics of:
- Cash Flow Analysis & Budgeting
- Asset Allocation
- College/Education Planning
- Estate Planning
- Investment Planning
- Retirement Planning
- Risk Management
- Any Other Relevent Area
Option 2A: Strategic Advisory Service
Designed for those looking to build wealth but with either minimal investable assets and/or little desire to receive discretionary or non-discretionary investment management services. Consists of Financial Planning Services coupled with ongoing advisory services. You will be required to self-manage investment strategies in accordance with plan recommendations. Leads to the following deliverables:
- All deliverables from the Financial Planning Services option, plus:
- Quarterly assessment of planning assumption validity against economic and market trends.
- Semi-annual formal check-in meeting.
- Formal annual assessment of client financial strategy.
- Personal/virtual appointments meetings by appointment as necessary.
Option 2B: Full Spectrum Advisory Service
Designed for those looking for a fully comprehensive advisory process. Consists of strategic financial planning, ongoing advisory services, and discretionary or non-discretionary asset management through the firm’s recommended custodian, Charles Schwab & Company, Inc. Asset management is offered using model portfolios, but exceptions can be made due to client’s unique situation. Leads to the following deliverables:
- All deliverables from Financial Planning and Strategic Advisory Services, plus:
- Discretionarily or non-discretionary managed model investment portfolios in accordance with your goals.
- Quarterly assessment of planning assumption validity against economic and market trends.
- Formal annual assessment of client financial strategy. Investment performance reports provided.
- Unlimited email/phone/virtual contact pertaining to any financial issues/concerns.
Basic Fee Schedule*
Financial Planning Fee (one-time fee) | Monthly Fee for Strategic Advisory Service | Monthly Fee for Full Spectrum Advisory Service** | |
Minimum Fee | $4,000 | $250 | $350 |
Maximum Fee | $7,500 | $1,000 | N/A |
*Fees are negotiable and may be adjusted based on complexity of client’s financial situation (estate planning, cash flow management, tax planning, etc.)
**Fee increases by $100 per month for every $250,000 of account value.
While there is no account size minimum for Full Spectrum Advisory Service, generally a $125,000 account size provides the optimal point where this service makes sense due to cost and portfolio holdings. However, client may use this service if they desire with less than $125,000 of investable assets.