Services
The advice and solutions we provide fall under two categories: Comprehensive Financial Planning and Investment Management
1. Comprehensive Financial Planning
Our clients acknowledge that managing their personal finances is time consuming and complex. They don’t want to ignore things or make costly mistakes, so they hire us to be their efficiency expert. There’s value in knowing someone with the proper expertise understands your unique financial situation and can help engage and guide you on the critical elements. This approach brings order and direction to the competing financial objectives that are common at various stages of life. It helps you assess how choices made today may affect your future.
While everyone’s situation is unique, the ongoing guidance we provide commonly touches areas such as:
- Employer Retirement Plans and Group Benefits
- Retirement Saving
- Retirement Income Planning and Withdrawal Strategies
- Funding College Education
- Insurance Needs and Options
- Tax Management Strategies
- Everyday Budgeting and Debt Management
- Collaboration with Tax and/or Legal Professionals
2. Investment Management
Our Investment Philosophy
We steer clear of the latest hot industry trends and “sophisticated” investments. Their supposed advantages often fail to pan out, yet they still carry high fees, poor liquidity (surrender charges and required holding periods), excessive risk, or unproven track records.
We believe simplicity is elegance. Therefore, we favor transparent, liquid, and cost-efficient investments that our clients can understand.
Where it makes sense, we position investments within different types of accounts to utilize tax advantages and maximize flexibility for today and down the road.
Fees
Our fees are straightforward, and rather than charging quarterly in advance (which seems to be the industry standard) we opt to charge monthly in arrears. We feel this is to the benefit of our clients.
| Combined Account Balance | Annual Rate |
|---|---|
|
Up to $1,000,000 |
1.15% |
|
$1,000,000 – $2,000,000 |
.90% |
|
Over $2,000,000 |
.70% |