Welcome

Our service and support are best for anyone looking for a trusted fiduciary partner to help with ongoing financial, tax and investment decisions throughout retirement. We provide advice on annual income planning and portfolio distributions, Roth conversions, investment management, tax-efficient gifting and charitable donation strategies, estate planning and beneficiary review.  

We start with a review of your current plan.  If you do not have one, we will co-create a plan with you that is easy to understand and clear to follow.  This document serves as the Financial RoadMap to your success.  

Upon Completion of your plan, we will work closely with you throughout the relationship.  Areas where we provide value and ongoing advice are:

Focus Areas

• Understanding Tax Planning opportunities
• Cash needs over the next 3 to 5 years
• Annual portfolio withdrawal strategies
• Roth Conversions 
• Establishing a spending plan
• Maximizing Catch up Contributions
• Consolidating investment accounts
• Rebalancing and reallocating investment portfolios

Additional Support

• Refinancing a mortgage
• buying or selling property
• amending insurance coverage
• updating estate documents and beneficiary forms
• review of income tax withholding elections
• selection of pension payment and income strategies
• a walk through of Social Security claiming strategies for longevity

This service is best for anyone looking for a trusted fiduciary partner to help with ongoing financial, tax and investment decisions throughout retirement. We provide advice on annual income planning and portfolio distributions, Roth conversions, investment management, tax-efficient gifting and charitable donation strategies, estate planning, etc.

We are no longer offering limited engagement services such as hourly advice or the creation of one-time financial plans.

Service as a Fiduciary has a greater meaning and "Way of Being".  There is a true responsibility to not only disclose conflicts of interest, but to also avoid them all together.  As a former insurance professional, living with these conflicts were difficult to manage and harder for clients to understand.  The idea of "which hat" I  had on (Insurance Sales, Fiduciary, both...?) or service was providing was awkward at best.  In the past, the traditional percentage of Assets Under Management and Commissions model may served some clients well.  However, for clients that are best for Retirement Wealth Guidance and our unique service model, there is a clear difference.  

We strive to reside above the line and without confusion.

Our fee structure is structured so you get quality service that is clear and easy to understand.  I am confident that you will agree.  

A Flat Fee Is predictable, Percentages are not.

For Example, an industry standard Fee of 1% (some charge more, some less) on an investment portfolio of $1,000,000 is a generous $10,000.  Ideally should this become $2,000,000, that fee doubles to $20,000 and may continue to increase over a successful relationship.  

This Model has been monetarily great for the Financial Services Industry.  However, it does not seam to resonate strongly from someone who has taken the Fiduciary oath.  It sounds more like taking possession of someone else's assets and claiming royalties on this benefit, and it is "contractually" okay and an industry norm.  I disagree with the industry.

Lets dig deeper:

• The fee for that service model would grow from $10,000, $20,000, and continue to respectively for that standard fee of 1%.  
• As the investment portfolio grows in value, the services and deliverables provided are unlikely to double.
• As a Fiduciary, I is our responsibility to exercise "best efforts to act in good faith and in the best interests of the client." 
• Keeping fees Flat and predictable is acting in good faith and to the benefit of the client.
• If a flat fee advisor has a future need to increase fees, a responsible professional like myself should communicate and you should be given a chance to review the new agreement or disengage. 
• As a client, you should feel good about the fees your are paying and understand why and when those fees may change.

However, the time, resources and cost to provide investment management services did not have significant change.  

If you resinate in the above example... Answer me this:

1. Why should you pay more?  
2. How could a Real Fiduciary charge more? 
3. Are there additional fees that are not service you best?
4. How much better would your portfolio have grown if your Fees were Flat, Understood the value of service provided for that fee, and only increased with your approval and understanding?

Financial Planner are Professionals and fees model should be clearly understood

While there is no perfect fee model, It is my opinion that Real Financial planners are professionals and should compensated generously for their expertises and clients should be happy that professionals receive generous compensation, transparent, and easily understood.  The best models I believe is a known flat fee and be fee only.  

Accepting the role of fiduciary  Conflicts of interest are often found within the wealth management landscape.  By providing a flat fee structure to our clients, we eliminate as many of these conflicts as possible.  Financial planners are professionals, so why don’t we charge similar to that of an attorney or a CPA.  General practice has been to charge a variety of commissions or a percentage of assets under management.  Commissions generate a great deal of conflicts, and charging a percentage of assets under management can lead to exorbitant fees when working with highly affluent clientele.  It is for these reasons we feel using flat fees is the most advantageous approach for all parties involved.

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