Financial Planning is an ongoing process where we aim to understand your life, and your money and then we work together to connect your money to your life.
We start by creating a single picture of your entire financial life, that shows how the pieces fit together; a financial map.
The next step is a process to identify your goals and create a vision for this new and exciting phase of your life; Your Best Retirement.
Strategies for achieving the goals are developed, preferred approaches are selected from the available alternatives, and then we help you to implement your plan. A plan document on a shelf will not achieve your goals.
Ongoing support ensures that you stay on track, and allows for any needed adjustments as you implement your plan.
You will find everything in one place on your personal financial website through our planning software, Right Capital. The website give you access to Net Worth, Goals, Income Sources, Expenses, Taxes, Investments, Estate Plan & a secure document vault to store your important documents.
An investment management plan will be tailored to your specific needs and goals, which is why it works best as part of a comprehensive financial plan.
Together we will create an investment plan that helps you to achieve your goals, and supports your lifestyle, while also letting you sleep well at night.
We will develop an asset allocation strategy, and specific investment portfolio recommendations, that are designed to achieve your goals.
We will implement your Investment Strategy and keep it on track for you.
Retirement Income Planning
Tax Return Review
Tax Sensitive Investing
Review of Cost Basis
Capital Gain / Loss Harvesting
Qualified Charitable Distributions
Roth IRA Conversions
Tax Location & Allocation Strategies
Keeping up with changes to Tax Laws
Tax Sensitive Rebalancing
Safe Withdrawal Strategies
Life happens. Inevitably your plan will require changes over time. Whether due to changing markets or tax legislation, changing goals, or changes to your health, your plan will need to evolve. We are with you every step of the way monitoring and collaborating with you to keep your plan on track.
COMPREHENSIVE FINANCIAL PLANNING WITH INVESTMENT MANAGEMENT
After an initial engagement fee that ranges from $1500 to $2500 we charge 0.6% of assets under advisement, with a minimum annual fee of $9000. Investment Management is included with Comprehensive Financial Planning. There is no minimum asset requirement. We do not charge any other fees. Clients may pay the annual fee in monthly or quarterly installments. You may choose to have fees deducted directly from your investment accounts under our management at TD Ameritrade or Charles Schwab or to pay via bank ACH transfer or credit card. You will find that most advisors charge between 1% and 2%. We work hard to manage our operating costs so that we can provide outstanding service for a reasonable fee.
COMPREHENSIVE FINANCIAL PLANNING WITH INVESTMENT MANAGEMENT FEE EXAMPLE
In reality, fewer than 1% of mutual fund managers consistently beat the market based on superior market-timing or stock-picking skills.(1) The truth is that beating the market is just not important to us. What’s important is developing an investment strategy that will achieve your goals and is aligned with your tolerance for risk. We can help you to do that. The key elements of this approach include low costs, diversification, appropriate risk-adjusted return, and limited trading. See our Investment Philosophy (2) for more information on how we approach investments.
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