Service Plans & Costs
We offer three different service plans (click for details)
| Wealth Management | Non-Profit Organization |
401(k) or 403(b) Plan Advisor |
|
|---|---|---|---|
| Account Minimum | $500,000 | $500,000 | $2,000,000 |
| Investment Management | ✓ | Discounted Fee ✓ |
Discounted Fee ✓ |
| Financial Planning & Modeling | ✓ | ✓ | ✓ |
| Insurance Policy Reviews | ✓ | - | - |
| Insurance Planning | ✓ | - | - |
| Estate Planning | ✓ | - | - |
| Long Term Care Planning | ✓ | - | - |
| Tax Return Modeling & Withholding Reviews | ✓ | - | - |
| Tax Planning | ✓ | - | - |
| Tax Preparation (Individual, Not Business) |
✓ (additional tax preparation fee for accounts with less than $1 million AUM) |
- | - |
Wealth Management Plan (minimum $500,000 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 & Modeling
- Cash Flow Planning & Modeling
- Retirement Planning & Modeling
- Education Planning & Modeling
- Planning and research for many financial transactions
- Existing Insurance Policy Reviews
- Insurance Planning
- Estate Planning
- Long-Term Care Planning
- Tax Return Modeling & Withholding Reviews
- Tax Planning
- Tax Preparation (Individual Tax Returns, Not Business Tax Returns)
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 at their home or office, including many states throughout the country. 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.
Non-Profit Organizations - Investment Management Only (minimum $500,000 invested with our firm)
We charge 0.50% for managing accounts for non-profit organizations. We discount our fee structure to help support the mission of your non-profit organization and to give back to our community.
401(k) or 403(b) Plan Advisor - Investment Management Only (minimum $2,000,000 invested with our firm)
We charge 0.50% to provide Fiduciary Financial Advisory services to 401(k) and 403(b) plans.
We act as full 3(38) Fiduciary Investment Advisors with discretionary management of plan assets. We provide actively managed risk based portfolios and meet with each employee participant to help them select an appropriate investment allocation. In addition to our own ACM managed risk based models, we also offer age based target date models and pre-screened building block funds for participants that want to make their own allocation decisions.
We work with a custodian that provides full 3(21) Fiduciary Administration services (TPA).
