Foundational Financial Strategies
Planning includes:
- Identification of your objectives and priorities
- Discussion of risk tolerance
- Cash-flow analysis and creating a budget
- Reviewing options to start saving
- Review of employer benefits
- Establishing protection strategies, such as life & disability insurance and emergency savings
Planning essentials for our base fee of $1,500. Can be paid in quarterly installments.
Ongoing General Analysis and Planning
Planning includes:
- All foundational planning, plus...
- Identification of long-term objectives
- Retirement projections
- Optimizing investment portfolio
- Personalized recommendations
Our team will provide personalized retirement and investment recommendations using our interactive client website. You can implement strategies with the companies of your choice.*
Ongoing planning is provided for an annual fee of $2,000 - $2,500*. Can be paid upfront or in quarterly installments.
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 quarterly installments. Fees are reviewed at plan renewal.
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.