What else should I know?

Services & Fees

Unlike many advisors, our ongoing fee is not tied to the amount of your investable assets. The size of your investment accounts doesn't always correlate to the complexity of your financial life, and is therefore a poor gauge of the type of services and amount of effort necessary to provide you proper planning and advice. Instead we charge an annual flat fee based on the services you need and the complexity of your situation.

FOUNDATIONS

Build your financial footing with a clear plan you can put into action.

$4,800 single/$6,000 couple
(Billed over 12 months)

Written financial plan covering spending, saving, investments, insurance, taxes, and estate basics

For one-time plans & DIYers:

Financial & Life Goal Planning
Net Worth Tracking
Values-Based Spending & Budget Coaching
Emergency Fund & Large
Purchase Planning (Home, Car, etc.)
Employer Benefits Guidance
College Planning
Insurance Review
Investment Review & Detailed Recommendations (without asset management)
Tax Return Review (Prep Optional Add-On)
Estate Planning Education
12mo of Implementation Support

CORE

Hands-on partnership to implement and adapt your plan as life evolves.

$84,00 single/$9,600 couple
(Billed over 12 months)

Everything in Foundations plus the following:

Ongoing Investment Management (< 50 holdings in non-retirement accounts)
Long-Term Tax Planning & Annual Tax Preparation
Retirement Income Planning
Social Security & Pension Claiming
Employer Stock Compensation
Assisted Estate Planning (Encore Estate Optional AddOn)
Up To One Rental Property
Ongoing Implementation of Your Financial Plan

LEGACY

Deep partnership for business owners and families ready to maximize
impact and build a lasting legacy.

$13,200 single/$14,400 couple
(Billed over 12 months)

Everything in Core plus the following:

Ongoing Investment Management (> 50 holdings or alternative assets in nonretirement accounts)
In-Depth Business Planning for Solopreneurs
Advanced Estate Planning with Your Family & Attorney
Advanced Charitable Giving (e.g. DAF, Trusts)
More Than One Rental Property
Complex tax situations (e.g. AMT, multiple K1s, prior year tax adjustments required)
Family Financial Meetings

*Limited to preparation of current year returns and amendments of returns we have filed on your behalf. Representation before the IRS, audit support, and correcting returns we did not file will have a separate fee commensurate with the requested work effort and signed agreement.

How do I know what to choose?

FOUNDATIONS may be the best fit if:

You want a financial health check-up to gain clarity and make sure you aren't missing something
You want a partner to help you uncover your why
You want to get on the same page with your spouse
You need to direct your income more efficiently
You need a roadmap to orient yourself to your destination
You want to do the financial heavy lifting with some support

CORE may be the best fit if:

You prefer to delegate and want to spend less time managing your finances
You are looking for ongoing planning and management of investments
You want tax planning & preparation under one roof
You want to develop a detailed retirement income & employer stock compensation strategy
You need more than a simple will and powers of attorney
You want continuous support from a trusted guide

LEGACY may be the best fit if you need our CORE offering and:

You have an unwieldy and complicated portfolio you want to simplify and optimize
You need business planning to make cash flow run smoothly and optimize your taxes
You want to take your charitable giving to the next level
You have a complicated tax situation that needs addressing
You're a multi-property landlord
You want your closest family to meet with us for foundational financial guidance

Because we charge a flat annual fee, our service is generally most cost-effective for families or individuals with incomes greater than $200k+ or investable assets in excess of $1,000,000. For families working toward those levels, the traditional percent of assets under management fee used by most other advisors or hourly financial planning may be more cost effective. We generally don't work with people whose net worth is approaching $10,000,000, as that level of wealth is more likely to lead to higher levels of financial complexity that are beyond the scope of the fee we typically charge. On a monthly basis, fees will be deducted directly from your investment accounts under our management at Charles Schwab or from your bank account via ACH. There are potential tax advantages with deducting the fee from the investment accounts we manage. This is how most investment firms work. However, we generally favor deducting our fee from your bank account rather than your portfolio for two reasons: It keeps more of your wealth compounding in your accounts over time. Advisor fees can be a drag on your returns. Our fee is just another annual or periodic expense. This keeps our fee front and center so you always know what you're paying and whether you are still receiving the value. The source of paying the fees is your decision.

We also offer:

Comprehensive budget coaching and debt payoff plans during a 3-month, 7 meeting engagement for $1,750.Hourly consultations for education and answering foundational (not retirement or tax planning) questions as well as working sessions to open/fund accounts or file forms. These are meant to inform you and help you implement positive financial behaviors.