Services/Fees

Financial Planning – Fees are based on income, net worth and complexity (minimum $4,000 per year)

This engagement begins with a Comprehensive Financial Plan that addresses all aspects of your financial life.

If you choose to continue with an ongoing relationship, Tax Preparation and Tax Planning are included. Ongoing Investment Management is also covered, based on a plan that fits your goals. Portfolios are structured using a systematic approach to investing, while managing  expenses, turnover and taxes.

Retirement Readiness Review – $2,500 – $5,000

Create an inventory for your Net Worth Analysis and Financial Lifecycle Stage.

Review your current portfolio to see how well balanced it is and if it corresponds to your risk tolerance and capacity.

Analyze your current asset allocation. Our approach to portfolio construction differs from other advisors because it is based on your unique situation; It addresses factors such as your tax bracket, your risk tolerance, your goals and your stage in life.

Review employer pensions, stock options, social security and other income to determine whether you will need to make adjustments to your plan. Adjustments such as working longer, spending less, or supplementing income through part-time work can make a difference in your lifestyle.

Finally, we will recommend changes that will align your assets with your goals and address any gaps in the plan. This does not include specific fund recommendations or implementation.