Financial Planning Services
Financial Planning Built Around Real Decisions
Financial planning should do more than produce a report. It should help you evaluate choices involving investments, retirement, taxes, cash flow, insurance, business interests, education, charitable giving, and estate considerations.
Recommendations are based on the information you provide and the scope established in your advisory agreement.
Fresh Perspective
Who it is for
Individuals who received a financial plan or similar advisory document from another financial professional within the preceding 12 months.
What it includes
A written evaluation of the planning process, material assumptions, projected investment returns, inflation, income growth, annuity or insurance assumptions, life expectancy, fees, risks, and potential conflicts.
Follow-up
One one-hour telephone consultation, which must be scheduled within 30 days after the report is delivered.
Fee
$500, payable in advance
Wealth Wellness
Who it is for
Individuals who manage their finances independently or want an organized financial check-up.
What it includes
A primarily questionnaire-based evaluation covering financial goals, tax strategy considerations, investment risks and expenses, estate-planning completeness, insurance sufficiency, education funding, and retirement readiness.
Fee
$750, payable in advance
Fundamental
Who it is for
W-2 employees, self-employed individuals, and independent contractors whose income generally consists of wages, interest, dividends, mutual funds, or ETFs.
Typical topics
- Traditional, Roth, 401(k), and 403(b) accounts
- 529 education savings
- SEP and SIMPLE retirement plans
- Self-employment income and retirement contributions
- Foundational investment and retirement planning
Standard fee
Standard 12-month fee: $2,000, billed as $500 per quarter in arrears.
Involved
Who it is for
Individuals with additional complexity such as rental properties, equity compensation, multiple investment arrangements, or annuity products.
Typical topics
Everything in Fundamental, plus:
- Backdoor and mega-backdoor Roth considerations
- ESPPs
- ISOs and other stock options
- RSUs
- Rental properties
- Annuity evaluation and coordination
Standard fee
Standard 12-month fee: $3,000, billed as $750 per quarter in arrears.
Intricate
Who it is for
Business owners, high-net-worth families, trusts, estates, and investors with advanced or specialized planning considerations.
Typical topics
Everything in Involved, plus:
- Business entity and owner planning
- Trust, estate, and gift considerations
- Closely held and corporate investments
- Advanced securities and derivatives considerations
- Foreign-currency investments
- Mark-to-market issues
- Options and futures-related planning
Standard fee
Standard 12-month fee: $6,000, billed as $1,500 per quarter in arrears.
Pricing disclaimer
Standard fees are based on the scope described in the firm’s Form ADV brochure and are negotiable. The final scope, fee, billing schedule, deliverables, and duration will be stated in the client’s written advisory agreement.
Financial-planning engagements generally continue for 12 months. A written plan is generally expected to be completed within six months, provided the requested information and supporting documents are submitted in a timely manner.
Investment management is not automatically included unless specifically stated in the advisory agreement.