Wealth Management and Comprehensive Financial Planning
Whether you’re just starting out or close to retirement, this in depth, on-going service gives you step by step financial guidance through assessment and planning to execution.
When you work with us, you and your family are at the center of the planning process. You’ll get a holistic approach and expertise in a broad range of financial topics. We’re fee-only, so we’ll never sell you a product nor take a commission or a referral fee from another professional. You can always count on objective, unbiased advice.
From unlimited telephone support, meetings when you need them, reminders of actions that need to be taken, to semi-annual or annual portfolio reviews, we’re there to help to adjust your plan whenever your life goals change.
Financial planning may cover topics such as:
- Overall assessment and identification of financial challenges
- Cash flow and budget management
- Tax planning
- Risk exposure review
- Investment review, as well as strategies
- Education funding and college planning
- Retirement planning
- Estate planning
- Charitable goals
- Small business planning
- Employer benefits
- Other issues specific to the client.
Portfolios are structured using a systematic approach to investing, while managing expenses, turnover and taxes.
Fees start at $9,000 per year. Calculated annually, payable quarterly.
Fees are calculated as follows:
$2,500 base fee plus .6% assets under advisement up to $2 million, .4% on $2 million – $5 million under advisement, and .3% on assets over $5 million under advisement.
We’ll look at your overall finances and give you actionable items for you to implement on your own.
Topics we cover may include: investments, retirement, tax strategies, insurance and estate planning.
Financial Plan Fees
The cost of a Financial Plan is a flat fee of $3000. Half is due at the beginning of the engagement, and the remainder upon completion. Unlike wealth management, this service does not include specific fund recommendations or implementation.
The review will address topics such as pension and social security claiming options, coordinating income streams, investment strategy and tax planning. Finally, we will recommend changes that align your assets with your goals and address any gaps in the plan. Most important, we always take the time to make sure you understand all the options available and how to make decisions that align with your goals.
Retirement Review Fees
The cost of a Retirement Review is a flat fee of $3000. Half is due at the beginning of the engagement, and the remainder upon completion. Unlike wealth management, this service does not include specific fund recommendations or implementation.
Read more on our approach to our financial planning services.
Ready to make a plan? Contact us to learn more
Maureen Demers is a Certified Financial Planner ™ practitioner.