Ongoing Core Planning
Planning includes:
- Identification of long-term objectives
- Discussion of risk tolerance
- Cash-flow analysis and creating a budget
- Review options for saving
- Evaluation of potential insurance needs
- Review of employer benefits
- Retirement projections
- Optimizing investment portfolio
Our team will provide personalized retirement and investment recommendations using our interactive client website. You may implement strategies with the companies of your choice.*
Ongoing planning is provided for an annual fee of $2,500* and can be paid in 4-6 monthly installments. Fees are reviewed at plan renewal and is based on level of complexity.
Advanced Financial Planning
For added complexity, analysis includes retirement and investment planning, plus focus areas as needed:
- Planning for a transition into retirement
- Income/withdrawal strategies, incl. SS analysis
- Tax planning strategies, such as Roth conversion
- Equity compensation
- Planning for private or higher education
- Inheritance or legacy planning
- Job or career change
- Consolidation of multiple investment accounts
- Multiple real estate holdings
- New marriage, divorce, partnership
- Estate and legacy planning
Advanced planning starts at a fee of $3,000* and can be paid in 4-6 monthly installments. Fees are reviewed at plan renewal and is based on level of complexity.
Signature Financial Planning
Advanced planning with concierge service, for those wanting a high-touch experience:
- Service team with access to 2 advisors, at least one of which will be a CFP® professional
- Priority access and scheduling, “on-call” availability, same/next-day responses
- Family meetings with children and/or other heirs
- Wealth transfer strategies, planned and/or charitable giving
- Planning for complex income streams, trusts, or multiple entities
- Coordination with CPA and attorney
For “white glove” service: annual fee of $10,000 or $10 Million of Assets Under Our Management.
Investment Management
- Analysis of savings and investment accounts
- Discussion of objectives and risk tolerance
- Personalized portfolio design
- Values-based investing (SRI/ESG) available
- Assistance consolidating accounts as needed
- On-going monitoring and reviews
- Includes an eMoney website
These investment services utilize advisory accounts with fees charged as a percentage of managed assets.
Product Solutions for Strategy Implementation
- IRAs / 401(k) Rollovers
- Life insurance (term/whole/variable)
- Disability insurance
- Long Term Care insurance
- Annuities & income strategies
We typically get paid via a sales commission on product sales for transactional business, which may or may not be in conjunction with other planning fees, as applicable.