Our Approach
We believe that high-impact financial planning occurs when the whole picture is taken into consideration. Therefore, our ongoing financial planning and investment management is a comprehensive, full-service experience, where each aspect of your financial plan is tailored to your unique situation. For those in and nearing retirement, the financial planning process often includes an analysis and optimization of the following domains:
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Portfolio Management - Consolidating and streamlining investment accounts; Designing and managing customized portfolios with appropriate target allocations; Engaging in ongoing portfolio rebalancing and tax-efficient adjustments
Retirement Income & Scenario Planning - Creating and implementing sustainable withdrawal strategies; Testing “what-if” scenarios to prepare for different retirement paths; Coordinating pensions, annuities, and investment income; Optimizing the timing of Social Security benefits
Tax-Efficient Strategies - Annual tax projections and forward-looking planning; Roth conversion analysis and implementation; Tax-loss and gain harvesting; Strategies to minimize Medicare IRMAA surcharges; Structuring charitable giving for maximum impact and efficiency
Real Estate & Debt Planning - Evaluating whether to pay off, refinance, or maintain a mortgage; Assessing the potential role of a reverse mortgage; Guidance on the financial and tax aspects of buying or selling real estate
Net Worth Protection - Evaluating insurance needs and options; Assessing long-term care insurance and self-funded alternatives; Coordinating insurance with your overall financial plan
Estate & Legacy Planning - Reviewing and updating beneficiary designations; Coordinating with estate planning attorneys on wills and trusts; Integrating charitable giving into legacy goals
We serve as your trusted financial partner, walking through everything life throws your way.
Our Process
Initial
Consultation
An initial no-cost consultation where we get to know each other and find out whether we’re the right fit.
We learn more about your financial situation, including any immediate priorities, questions, and goals, and provide an overview of the service that best matches your needs.
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Getting
Organized
We work with you to gather relevant financial information. We then synthesize and organize the details of your financial landscape to give you clarity before the planning process begins.
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This sample checklist gives an example of what information may be requested.
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Plan
Development
We explore your values, goals, and priorities more deeply to establish core objectives for your investment portfolio and financial plan.
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Your information is then thoroughly analyzed to create a personalized plan, which we iterate on together through a series of planning meetings.
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Ongoing
Implementation
With your baseline plan completed, we transition into implementation and ongoing care.
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You can now focus on living to the fullest, while we continually manage your portfolio and make sure important tasks are taken care of. We check in throughout the year and make updates for anything life throws your way.
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Fee Structure
We are committed to providing exceptional value through a premier service model, all while maintaining a competitively priced fee structure. Our annual advisory fees are based on a percentage of assets, with rates that decrease as your portfolio grows—ensuring more of your hard-earned dollars stay invested. These fees are intentionally set below industry averages to enhance your portfolio's long-term growth potential.
ASSETS UNDER MANAGEMENT
ANNUAL FEE
First $3,000,000
Next $7,000,000
Above $10,000,000
0.85%
0.50%
0.15%
Minimum Fee: Due to the nature of our high-touch service model, clients may be subject to a minimum fee of $600 per month if they have not yet accumulated substantial investment assets
Project-based Planning
One-Time Financial Plan: Engaging in a one-time financial plan is a short-term intensive planning process. It is akin to engaging in the first year onboarding process, but in a much shorter time-period. This quick-paced, information-dense service is only a good fit for those who are prepared to work efficiently to gather relevant financial data, and who have a high degree of financial proficiency to understand and implement financial recommendations. The cost of a one-time comprehensive plan ranges from $7,200 - $10,000 depending on unique complexity factors.
Ad Hoc Planning: In some instances, planning engagements may be developed on an ad hoc basis to target isolated planning needs such as one-time portfolio reviews, current year tax projections, Roth conversion analysis, or other limited-scope needs. These projects are priced according to scope and complexity, and generally range from a few hundred to a few thousand dollars.