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Fee-Only Financial Planning

See the big picture and stay on the right track to the success you want.

We believe financial planning is an ongoing process, not just a one-time event. Life changes and evolves, and we can act as your guides along the way to ensure you stay on the right path through it all.

For this reason, all of our engagements begin with a one-year contract so that we can get to know you and provide deeply personalized advice and recommendations to you.

How We Work with Clients

Although we call it “financial planning,” it’s really more about life planning: helping you find ways to leverage your wealth as a tool to fulfill your vision of your future life. When we work together, we’ll identify where you are today, where you might like to go in the future -- and then it’s our job to pave the path to get you there.

Your financial plan includes action steps to take, suggestions on what to do to improve or optimize and aspect of your wealth, analysis of both opportunities you may want to take advantage of and risks to protect against, and more.

When we provide financial planning services to you, we:


  • Get to know you and your family and what’s important to you.

  • Identify and prioritize your long-term goals (which could focus on retirement, college, home-ownership or your business).

  • Design how you want your future to look, including your lifestyle, where you’ll live, and how much it will cost.

  • Help you make the best decisions that fit your current situation and long-term expectations.
  • Forecast the growth of your portfolio, making realistic assumptions about the risk you are willing to accept and the investment returns you should realistically expect.

  • Model different scenarios to show how different decisions—such as retiring a couple of years later or working part-time—can impact your nest egg.

  • Answer all questions you have about your finances or investments along the way, so you always understand the “why” behind our advice.

Fees

All of our engagements begin with a one-year contract so that we can get to know you and provide deeply personalized advice and recommendations to you. 

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 financial planning 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.  We may include additional fees depending on the number of accounts and size of your investment portfolio if we also are advising on your investments.

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 $2500 per quarter.

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

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.