Financial Planning

We look at what you have, where you want to go, and determine how you are going to get there. From there, we make sure you get there by checking in frequently, making changes as necessary, and keeping you up to date on the latest investment strategies, tax laws and most efficient ways to maximize your hard earned dollars. Every financial planning client will have access to the latest financial planning technology giving them the most up to date strategies to fit their needs. A comprehensive plan includes analysis surrounding cash flow, investment allocations, equity, debt, taxes, insurance and estate planning.

Investment Management

We believe that every dollar you save should be put to work and that strategic asset allocation is the most predictable way to grow your wealth over the long term. Different goals require different investment strategies and as independent fiduciary investment advisors, we have the ability to help you choose the best strategy to meet your goals. A few ways we add value include:

  • automating investment plans

  • actively managing capital gains/losses

  • optimizing your portfolio tax by utilizing direct indexing, tax loss and tax gain harvesting, and asset location strategies

  • actively managing short term investments

  • providing access to private equity and real estate

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The Financial Planning Process

  • Onboarding - 1 hour meeting to uncover everything that impacts your financial life + establish goals (life planning)

  • Recommendation - 1 hour meeting to review recommended strategies

  • Implementation - 30 minute meeting to open accounts, initiate transfers and set up account funding

  • Quarterly check-ins to make sure your plan stays updated

  • Annual strategy meeting to update the plan and review progress

  • Unlimited access to a Certified Financial Planner™ and your eMoney client portal

Investment Management Process

investment management process

  • We create a diversified portfolio tailored to each goal

  • We open, transfer/fund, and invest each account according to the plan

  • We use the latest technology to:

    • Reinvest dividends- we'll instantly put your stock dividends back to work, earning you more

    • Automate rebalancing - we precisely rebalance your portfolio as the market changes

    • Reduce taxes - tax-loss harvesting, asset location, direct indexing, exchange funds and income tax planning are a few ways that we keep more money in your pocket and out of Uncle Sam’s

  • We track our performance quarterly with reports sent to our client’s secure Vault folders

Fees

1.25% - $0 - $500,000

1.00% - $500,001 - $1,000,000

0.70% - $1,000,001 - $3,000,000

0.40% - $3,000,001 +

Asset management fee based on percentage of investable assets

Blended rate billed quarterly in arrears

$2,400 minimum annual fee

Common Questions

  • We offer clients the ability to meet once every 3 months in order to stay on top of any changes or potential changes to their financial plan. All clients are different and have the ability to schedule meetings based on their preferences and needs.

  • There are no limits to how many meetings we have throughout the year. Life happens! There will be life events and periods of time when more financial advice is needed and we make ourselves available for that time. Normally we spend more time with clients in the first year of working together, around the end of the year, and during tax season.

  • Yes, as an additional service (and fee) we do prepare tax returns for clients only.

  • You would start by scheduling a complementary Introductory Call / Meeting where we would discuss your needs and determine if our services would add enough value. It only makes sense to hire a financial advisor -- or any professional -- if the value they provide exceeds the fee being charged. In other words, the time and effort saved by hiring an expert + the tax savings (and potentially increased investment returns) need to exceed the fees being charged…in our opinion.

  • New clients pay the first quarterly fee of $600 by debit card/checking account upon signing the financial planning agreement. After the onboarding phase is complete and accounts are opened/transferred, the asset management fees are deducted from the investment account quarterly in arrears going forward. The fees are calculated based on account values of the last business day of each calendar quarter.

  • The asset management fee is billed on assets that we have discretionary trading authority over, which does NOT include your 401k. Any assets held in a brokerage account, IRA, Custodial, or 529 that we manage would be included in this calculation.

Have a question specific to your situation?