Investment Management and Advisory Services and Fees

Ongoing Planning and Advisory Services

We do our best work for clients when we partner together for ongoing financial planning and investment advice and/or management. We begin with an initial 12-month engagement. Under an annual arrangement, we can address the full range of your planning goals, assist you in implementing our recommendations, and respond quickly to any changing circumstances in your life. Fees for a first year relationship may range from $9100 to $14,500, which includes a $2500 deposit and then between $550-$1000/month, depending on your selected scope of work.

After we complete your first year retainer engagement, you have the option of entering into an ongoing retainer, starting at $550 per month for planning only services or planning and investment advisory/management services starting at a minimum of $3000 per quarter.

Investment Management

Investment management is offered to you under annual retainer arrangements as described above. Fees are based on factors such as the number of accounts, asset size, and types of your investments. We manage client investments at Charles Schwab and TIAA. Our investment portfolios include high quality funds from Vanguard, iShares, and Dimensional Fund Advisor. Many of these investments are oriented toward Environmental, Social, and Governance (ESG) factors including those that are Socially Responsible Investments and aim for a positive social impact.

How Fees are Calculated

Our fees are calculated based on the nature of our work together. Your needs and preferences will direct and drive our work, beginning with our initial phone interview. We will discuss your circumstances and goals, and we'll share a proposed partnership in more detail, which entails how we can help you work toward a strong financial foundation.

Factors we use in calculating fees include the complexity of your situation, the scope and level of services, and the size and types of your investment accounts.

In general, investment management fees range between 0.80% and 1.2% of the assets we manage for you. Investment advisory fees may range from 0.30% to 0.50% of your investments such as 401Ks, 403bs, or TSPs, where we give you investment advice and you implement.

Investment advisory fees are in addition to financial planning fees so that you are paying for only what you need.

A Fee-Only Fiduciary Firm

As a fee-only firm, our only income is from you, our client, not investment companies or insurance carriers. With a fully transparent fee structure that we share with you in advance, you always know what you are paying. As a result, we have no inherent conflicts of interest or biases. We conduct our business under a fiduciary duty and are held to strict codes of professional and ethical conduct.