Planning services
One all-inclusive fee, and everything it covers.
Rather than billing by product or transaction, we charge a single management fee. Here is the full scope of what sits inside it.
Scope of service
Eight disciplines, one plan.
Most firms sell these separately. We treat them as one problem, because a tax decision made in isolation usually creates an estate problem three years later.
Financial planning
- Financial plan check-up
- Goal setting and tracking
- Cash flow and budgeting analysis
- Retirement readiness
Investment management
- Portfolio analysis
- Asset allocation design and rebalancing
- Risk tolerance and performance analysis
- Tax-loss optimization strategies
- Monitoring and ongoing management
Retirement planning
- Cash flow analysis and budgeting
- Income optimization
- Recreating the paycheck
- Retirement plan check-up
- Company 401(k) review and analysis
Education planning
- Education and cost analysis
- Education account analysis and planning
- Cost versus borrowing analysis
- Plan selection and tax optimization
- Investment and tuition payment strategies
Tax planning
- Investment tax-mitigation strategies
- Investment income tax analysis
- Low basis tax management strategy
- Estate distribution scenario analysis
- Roth and IRA conversions
Estate planning
- Estate review and analysis
- Document storage and planning
- Beneficiary reviews
- Charitable planning
- Estate distribution strategies
Risk management
- Life insurance analysis
- Medicare analysis
- Healthcare spending accounts
- Business owner liability analysis
- Property and casualty analysis
Business owners
- 401(k) and company plan fee analysis
- Cash flow and saving strategies
- Non-qualified deferred compensation planning
- Buy-sell agreement and partnership risk analysis
- Retirement plan analysis and selection
For more complex households
Family office services.
For families with roughly $2 million to $25 million and beyond, we also operate as a multi-family office: one team coordinating investments, retirement income, tax, estate and next-generation planning alongside your CPA and attorney.
Explore family office servicesOur client-first structure
What it costs, in public.
No commissions, no hidden fees, no trailing fees. The schedule below is the whole arrangement.
Investment and wealth management
An ongoing annual management fee, billed on assets under management, covering every discipline listed above.
| Assets under management | Annual fee |
|---|---|
| Up to $1,000,000 | 1.25% |
| $1M to $3M | 0.95% |
| $3M to $5M | 0.85% |
| $5M to $10M | 0.75% |
| $10M to $25M | 0.65% |
| $25M and above | 0.55% |
Static financial plans
Rather than ongoing management, a one-time written plan built to help you reach a specific set of goals.
| Household assets | One-time fee |
|---|---|
| Under $1M | $10,000 |
| $1M to $3M | $12,000 |
| $3M to $10M and above | $15,000 |
“A fiduciary standard means, basically, put the interests of the client first. No excuses. Period.”Jack Bogle
Retiring soon?
The right distribution strategy can change what your money has to do for the rest of your life. Start with a free consultation.
Or call (941) 706-4151