Ongoing Financial Planning

Who It’s For: Clients seeking ongoing advice from a trusted partner to help them prepare a for an uncertain future.  They understand they have blindspots they haven’t even thought of and want to have confidence when making important and often irreversible decisions.  

What It Is: If a financial plan is a map, ongoing advice is like GPS navigation. Beginning with the G.U.I.D.E. Process, we’ll be there to help “recalculate” through ongoing communication and collaboration that reflects changes in their life, planning strategies, government regulations and the investment markets.  Topics covered include: Cash flow and debt management, college savings/funding, employee benefits optimization, estate planning, insurance reviews, investments, retirement, and tax planning.  Check out our case study.

What It Costs:  Ongoing Financial Planning is included in the Investment Management fee if the account balances are over $360,000.  Ongoing advice is available at $300 per month for clients with less than $360,000, and includes investment management up to $360,000.

Investment Management

Who It’s For: Investor Clients seek professional knowledge, expertise and support to align their investment strategy with their financial goals.

What It Is:  We design and implement an investment strategy appropriate to their situation, time horizon, risk tolerance and goals. Typically utilized for convenience and to avoid making a drastic and irreversible mistake in a bad market.  Investor clients receive ongoing investment management guidance and service, which can include: Investment goals, Risk tolerance, Asset allocation, Investment Selection, Rebalancing and Investment reporting.

Read our Investment Philosophy.

What It Costs: Investment Management fees range from 0.7%-1%. Investment Management clients with account balances over $360,000 will receive Ongoing Financial Planning.  Investment-only clients with balances under $360,000 will be strongly encouraged to choose a situational planning solution to begin the relationship.

Situational Planning

Who It’s For: Situational Clients seek a one-time plan that comes with specific advice.  Situational clients do not want implementation assistance and are comfortable updating their plan on their own. 

What It Is: Situational Clients receive guidance and advice on their current financial situation. There is no ongoing support and service related to the plan after the plan is completed. The Comprehensive Map package (2 90-minute meetings) involves a detailed analysis and specific recommendations unique to your personal circumstances in the form of a written report.  The Quickstart Plan (1 90-minute meeting) is more conversational in nature.  We will share our ideas and observations regarding your current financial situation, but you will not receive the detailed analysis that comes with the Comprehensive Map.  Each of these services comes with a follow-up 30 minute virtual meeting to answer any questions you may have.

What It Costs: The Comprehensive solution is $2,400-$6,000 depending on complexity.  The Quickstart solution is $1,000. In rare circumstances advice will be given on an hourly basis at the rate of $300 per hour.