Financial Planning
A sound financial plan is integral to accomplishing financial and life goals. I offer two paths for financial planning – ongoing and one-time.
Ongoing Financial Planning
The foundation of my process is to listen to, understand and build upon your priorities, goals & values.
Then, I’ll analyze your finances in order to recommend an actionable plan that will cover all the relevant areas such as cash flow, budgeting, debt management, tax planning, investing, insurance, retirement, estate planning, real estate and more.
From there, I’ll work with you to implement the plan and then we’ll follow up quarterly to monitor and review and ensure we are continually considering how your life, family, tax situation and priorities are changing.
For the first year, I charge an up-front fee of up to $2,500 then quarterly a fee of up to $2,500. Fees vary depending on the complexity of your situation. For investment management clients with managed assets over $100,000, these fees are waived after the first year.
Ongoing planning begins with a five-step pathway:
| Data > Discover > Design > Decision > Deliver |
1/ Data
We’ll get organized and ensure all your accounts are linked and you’ve uploaded all relevant documents to the portal and nothing is missing.
2/ Discover
Next, we’ll focus on your priorities, goals & values – and how these align with your spending & vision for the future.
3/ Design
Here, we’ll talk through various pathways to achieve your vision and the tradeoffs for each.
4/ Decision
Then, we’ll confirm your selections and view the resulting plan as a whole.
5/ Deliver
I’ll deliver the final plan and answer any questions then prioritize actions and agree on next steps.
Project Based Financial Planning
I am also available to work on an hourly or project basis to provide one-time solutions for selected topics.
Investment Management
Utilizing your financial plan, I’ll build and manage a diversified investment portfolio to help you pursue your goals. My work is tailored to your goals, investment objectives, time-horizon and risk tolerance. As a fee-only advisor, I don’t collect commissions on funds or financial products so I won’t recommend anything you don’t need.
My annual fee starts at 1.0% for the first $1 million under management and decreases for a blended rate as investment capital grows with a minimum investment of $100,000. As noted, after the first year, investment management clients receive ongoing support and updates to their financial plan at no additional cost. My annualized fees for investment management services are based on the following fee schedule:
Free Consultation
Please schedule a free 30-minute consultation if you’re interested in becoming a client. We’ll discuss your needs and what we do. These meetings are held by phone or a Zoom video call. After that, client meetings are held by phone, video call or in-person.