We offer four different service plans (click for details)

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

 

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

 

• Non-Profit Organization - Investment Management Only Plan (minimum $250,000 invested)

 

• 401(k) or 403(b) Plan Advisor (minimum $2,000,000 invested)

 

	Wealth Management	New Client "Test Drive"	Non-Profit Organization	401(k) or 403(b) Plan Advisor
Account Minimum	$250,000	-	$250,000	$2,000,000
Investment Management	✓	-	Discounted Fee ✓	Discounted Fee ✓
Financial Planning & Modeling	✓	$1,500 One-Time ✓	-	-
Insurance Policy Reviews	✓	✓	-	-
Insurance Planning	✓	✓	-	-
Estate Planning	✓	Limited ✓	-	-
Long Term Care Planning	✓	Limited ✓	-	-
Tax Return Modeling & Withholding Reviews	✓	Limited ✓	-	-
Tax Planning	✓	Limited ✓	-	-
Tax Preparation (Individual, Not Business)	✓ (additional tax preparation fee for accounts with less than $1 million AUM)	Not Offered	-	-

 

 

 

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 & 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. 

 

 

 

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.  

If you choose to continue with our firm, we 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 detailed 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, insurance review, estate planning review and a tax review.  We will also review your investment allocations and provide a risk profile assessment.

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, which may require many meetings and additional research. 

We do not offer tax preparation services to clients that have less than $250,000 invested with our firm, due to limited capacity during tax-season as we serve our wealth management clients.  

This service is for a one-time financial plan only.  We do not offer ongoing financial planning services for clients with less than $250,000 invested with our firm.  

Services include:

• Financial Planning & Modeling
  • Cash Flow Planning & Modeling
  • Retirement Planning & Modeling
  • Education Planning & Modeling
• Insurance Planning 
• Estate Planning
• Long-Term Care Planning 
• Tax Return Modeling & Withholding Reviews
• Tax Planning

 

 

 

Non-Profit Organizations - Investment Management Only (minimum $250,000 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).