About

 

At the end of the day, the value you receive from any financial planning service should exceed your costs. We have conducted extensive market research and are proud of our fee structure.

We believe in transparency. You should know up-front how much our services will cost. Each client has their own set of circumstances and needs, therefore, there isn’t a one-size-fits all model. We provide our services in a number of ways to meet your situation. The recommended fee model will be identified at the conclusion of our first meeting.

Regardless of which fee model is the best fit for you, we will provide you with a Client Service Agreement to detail the services you will receive, the timeframe of the engagement, and its cost. 

ONGOING COMPREHENSIVE FINANCIAL PLANNING

This service involves working one-on-one with a planner over an extended period of time. By paying a fixed quarterly fee, Clients get to work with a planner who will work with them to develop and implement their plan. The planner will monitor the plan, recommend any changes and ensure the plan is up to date.

Upon engaging us for ongoing financial planning, a Client will be taken through establishing their goals and values around money. They will be required to provide information to help complete the following areas of analysis: net worth, cash flow, insurance, credit scores/reports, employee benefit, retirement planning, insurance, investments, college planning, and estate planning. Once the Client's information is reviewed, their plan will be built and analyzed, and then the findings, analysis and potential changes to their current situation will be reviewed with the Client. Clients subscribing to this service will receive a written or an electronic report, providing the Client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. If a follow-up meeting is required, we will meet at the Client's convenience. The plan and the Client's financial situation and goals will be monitored during quarterly meetings either via video conference or in person. On an annual basis, there will be a full review of this plan to ensure its accuracy and ongoing appropriateness. Any needed updates will be implemented at that time.

The typical fee for this service is $500 per quarter but can be adjusted based on complexity.

PROJECT

A client may require a one-time financial plan or investment consultation project without the need for ongoing service. We provide this service as a fixed-fee which typically ranges from $300 to $5000.The project fee will be determined in advance based on the time dedicated to the project and its complexity. A typical client wanting this will be the do-it-yourself investor requesting a professional portfolio allocation or someone who has their financial situation well-oiled, but wants the peace of mind they will not outlive their money.

HOURLY

Some clients are do-it–yourselfers that simply want a specific question answered. Others may want a deeper analysis of one specific topic. This can be done over the phone, virtually, or in person (in-person requires 30 minute minimum – $125 fee).

Some examples of the most common questions:

  • Can I afford to buy a home?

  • Do I have enough life insurance?

  • Am I saving enough to retire?

  • Should I buy long term care insurance?

  • Is my 401(k) or Roth IRA properly balanced?

  • How can I pay down my debts?

  • Should I rent or buy a home?

  • Should I buy a car or lease?

**The $250 hourly rate will be billed in 6 minute increments (1/10th of an hour).**