We offer three different service plans (click for details)

• Wealth Management Plan (minimum $250,000 invested) ​

• New Client “Test Drive” Plan ($1,500 one-time cost)

• Investment Management Only Plan (minimum $50,000 invested)

Wealth Management Plan (minimum $250,000 invested with our firm) 

Our primary service offering is our wealth management plan.  If you decide to hire us as your financial planning firm, we offer ongoing comprehensive services including the following: 

• Customized Active Investment Management  
• Comprehensive Ongoing Financial Planning & Reviews 
• Tax Planning & Tax Preparation (Individual Returns, Not Business) 
• Insurance Planning & Policy Reviews 
• Estate Planning & Long-Term Care Planning 

We maintain active engagement with our wealth management clients and provide advice on nearly every interaction you have with money.  We make ourselves available for face-to-face meetings, phone calls, emails, web conferences and we travel frequently to meet with clients that live outside of our area.  We provide in-depth retirement modeling, well in excess of industry best practice.  We maintain analytical rigor throughout all of our service offerings. 

Tiered Cost Structure:

(Based on Assets We Directly Manage) 

$0 to $2,000,000 = 1.00%  

Over $2 million = 0.50%

*If you find comparable comprehensive services offered at a lower cost structure, please let us know. We are happy to review and compare to any of our competitors. 

*Many similar comprehensive advisory firms charge 1.50% and some charge as much as 2.00%!  We aggressively discount our costs for larger accounts as compared to our competitors.  We encourage you to do the math.  Our team includes your Certified Financial Planner, Investment Manager and Certified Public Accountant.  We also work closely with several Estate Planning attorneys that have partnered with our firm to provide a “board of directors” for your unified plan. 

New Client “Test Drive” Plan 

For new clients that we have not previously had a relationship with, we offer a test drive service for a one-time fee of $1,500.00.  Our first meeting is free of charge to introduce ourselves, discuss your needs and review the services that we offer.  We then start the service with a data gathering meeting (often the same first meeting).  We collect documents and discuss your goals, plans and your relationship with money.  We develop a financial plan, which includes a comprehensive analysis of your cash flow, retirement planning, pension election advice, Social Security advice, savings advice, scenario analysis for potential changes in retirement, basic insurance review, basic estate planning review and a basic tax review.  We will also review your investment allocations and provide a risk profile assessment as well as an investment proposal.  Our hourly billing time on the initial financial plan typically exceeds $3,000.  However, we provide this service at a loss, for a discounted fee of $1,500 to allow us the opportunity to work together and for you to test drive our services.  This service does not include in-depth long-term care planning, estate planning or tax planning and preparation.  Any additional services after the initial plan and recommendations are billed at an hourly rate of $250 per hour.  However, we do not offer tax preparation services to clients that have less than $250,000 invested with our firm.   

Investment Management Only (minimum $50,000 invested with our firm) 

We charge 1.00% for managing household accounts under $250,000, and we will charge a separate $250 per hour fee for any financial planning services.  However, we do not offer tax preparation services to clients with less than $250,000 invested with our firm.    

Investing Cost Structure:

(Based on Assets We Directly Manage) 

$0 to $250,000 = 1.00% 

Financial Planning Cost Structure:

Financial planning and consulting services are billed separately under this plan. 

• Comprehensive Financial Planning
• Tax Planning (not tax return preparation) 
• Insurance Planning & Policy Reviews 
• Estate Planning & Long-Term Care Planning