How We Work

We offer our services in three ways.


Financial Planning Topic





Pricing Structure

Net Worth

Budgeting

Cash Reserves

Cash Flow Management

Retirement Planning

Income Tax Planning

Insurance Review

Education Planning

Investment Advising

Vision, Values, Goals

Estate Planning

Meeting Frequency

Two-Hour "Ask Me Anything"





$500 one time payment


X

X

X

X

X

X

X

X

X

-

-

  • 1 Two-Hour Meeting
  • In person or video chat

Hand-Crafted Financial Plan



$2,400+
one time payment
based on complexity

X

X

X

X

X

X

X

X

X

X

X

  • 2-3 Meetings (Get to Know Each Other, Data Gathering, Delivery)
  • 1x 6-month Review Meeting
  • Available by phone, email, and video chat

On-Going
Wealth Management


$2,400/year minimum fee calculated from your
Net Worth and Income
Paid monthly or quarterly

X

X

X

X

X

X

X

X

X

X

X

  • 3-4 Startup Meetings
  • 2-4 Review Meetings/Year
  • Available by phone, email, and video chat
  • Includes Financial Planning & Investment Management

Hand-Crafted Financial Plan

Our Hand-Crafted Financial Planning solution is an all encompassing package to get you using your money as a tool to accomplish your goals and live your ideal life.

As part of our process we help you rediscover and refine your values around life and money.  We work to ensure your values tie into each of your financial goals using our unique mindmap process.

After the initial process we work through your financial foundations which include:

  • Net Worth
  • Budgeting
  • Cash Flow Management
  • Cash Reserves

Sample MindMap. Click to Enlarge.

Sample Goals. Click to Enlarge.

We then work together to craft your financial plan.  

This encompasses your:

  • Vision, Values, Goals
  • Retirement Planning
  • Insurance Planning
  • Tax Planning
  • Education Planning
  • Estate Planning
  • Investment Analysis and Management

This takes 3-4 meetings to work through. The first meeting is on us as it’s for us to get to know each other and see if we’re a good fit for each other.  Once you have started your plan we will meet between 2-4 times per year to review and update.

 


This solution gives you access to:

  • Your own “One (or more) page financial plan”
  • Our financial planning, data aggregation, organization, and budgeting tools
  • Mindmapping and Goal creation software
  • Investment Analysis via Kwanti
  • TD Ameritrade’s tools
  • And more!

 

Sample Client Dashboard. Click to Enlarge.

For this service there is an all encompassing fee structure.  We charge a percentage of Net Worth and Adjusted Gross Income (AGI).  This strategy has a tremendous value for you, as our clients.

There are many common conflicts of interest in other fee models such as:
•    building an emergency fund
•    making a house purchase or paying down debts from your portfolio
•    leaving your 401k account in place near an early retirement

There is no change in compensation regardless of where your investments are custodied. This means our only incentive is to help you grow and maintain your wealth.

Fee Structure


Net worth: 0.50% up to $2.5m

0.25% after $2.5m

Adjusted Gross Income(AGI): 1%

Minimum fee of $2,400 annually

Fees are paid on a monthly or quarterly basis per your preference. Payments and can be made from your investment accounts or paid via ACH.

For example: Your AGI is $250k as a household and your Net Worth is $1.3m.  Your annual fee would be $2,500 for the income component and $6,500 for the net worth portion for a total of $9,000 annually.

Get-Started Program

Our “Get-Started” package covers the foundations to your personal finances.

This gets you ready for the “Hand-Crafted Financial Planning” relationship.  In this program we cover the tools of Net Worth, Budgeting, Cash Flow Management, and Cash Reserves. 

 

This may be a good fit if you find yourself wondering where to start when it comes to your finances or want to know what it takes to become organized and start planning and investing for your future. We offer the content of this program for free but are a phone call away if you want our help. With our help you will receive access to our budgeting and balance sheet software.

 

For our help with the Get-Started program we charge $1,000 up front.  If you want to have an on-going relationship where we check-in and continue to work toward the “Hand-Crafted Financial Planning” relationship, we charge $100 per month.

 

We envision the “Get-Started” program as a stepping stone into the “Hand-Crafted Financial Planning” solution. Once you have a financial foundation in place we will start planning for Retirement, Investments, Taxes, Education, and Insurance.  

Single Engagements

We also realize that you may only have a need for a conversation on a few topics. With that in mind we offer single engagements based on our hourly rate.  

Our hourly rate ranges between $150-$250 depending on the topic. 

Our most popular single engagement program is a $500 Two-Hour "Ask me Anything". This is an intense two hour meeting where you control the agenda. Your homework before this meeting is to create a list of financial planning and/or investment related questions. We will work through your questions one by one. The goal of this meeting is to provide you with as much information as possible during your two hour period.

Single engagements may be especially helpful if you are in the "Get-Started" program, not yet ready for the Hand-Crafted financial planning process, and would like more information on investments, retirement, or other planning topics.

Based on your topic we can estimate how much time it will take.  Multiply the time estimate by the hourly rate and that's the fee!  That amount will be the fee no matter how long it takes us to walk through the topic.  This way you won't need to worry about additional fees for going over the time limit we set.