Flat Fee and Fee-Only Planning Options
Advice Only Planning $2,929
Flat Fee Hourly Rate Retirement Planning $300 per Hour
Flat Fee Hourly Rate Retirement Planning $300 per Hour
Project-based Financial Planning with no expectations or requirements for ongoing Investment management.
Includes a minimum of four planning meetings (data gathering, planning, review, delivery & implementation), a full analysis of your financial situation, a detailed follow-up email with our recommendations, and follow-up support for 18
Project-based Financial Planning with no expectations or requirements for ongoing Investment management.
Includes a minimum of four planning meetings (data gathering, planning, review, delivery & implementation), a full analysis of your financial situation, a detailed follow-up email with our recommendations, and follow-up support for 180 days following our last meeting.
This service is ideal for individuals who appreciate the value of financial planning
(without the expectation of investment management and moving accounts).
Flat Fee Hourly Rate Retirement Planning $300 per Hour
Flat Fee Hourly Rate Retirement Planning $300 per Hour
Flat Fee Hourly Rate Retirement Planning $300 per Hour
Perfect for individuals and couples who are looking for a trusted planner to help manage and serve as they transition through retirement.
Includes a full analysis of your financial plan, two detailed financial planning meeting per year with action items (in-person or virtual), a review of your tax return for future planning opportunities
Perfect for individuals and couples who are looking for a trusted planner to help manage and serve as they transition through retirement.
Includes a full analysis of your financial plan, two detailed financial planning meeting per year with action items (in-person or virtual), a review of your tax return for future planning opportunities and scheduled check-in meetings as needed for implementation and accountability, and unlimited non-billable implementation phone calls, personalized educational videos, and emails throughout the year.
Great for Clients who like a predictable Hourly Fee that are easy to understand and reflective of service being provided.
You Control the Agenda Meeting $500 for 2 hours
Flat Fee Hourly Rate Retirement Planning $300 per Hour
You Control the Agenda Meeting $500 for 2 hours
Your Questions, Your time, You're in control of the Agenda during this real working financial planning session.
Our goal is to provide as much value and information as possible during this 120-minute engagement. Bring in your pressing financial concerns and leave with a workable solution.
When you schedule your appointment, let us know
Your Questions, Your time, You're in control of the Agenda during this real working financial planning session.
Our goal is to provide as much value and information as possible during this 120-minute engagement. Bring in your pressing financial concerns and leave with a workable solution.
When you schedule your appointment, let us know what you want to talk about and how we can make this a successful meeting. We will follow up with items needed for the meeting so we can be ready for you. Common topics that we can discuss:
- Budgeting
- College Planning
- Debt Management (College Loans, Credit Cards, etc.)
- ETF/Mutual Fund Basics
- Managing your 401(k), 457, or 403(b)
- Investment Asset Allocation Review
- Life Insurance Review
- Review Of Your Early Retirement Offer
- Annuities (The Good/Bad/ugly)
- Advantages & Disadvantages of Trusts
- Whatever You Want To Discuss
Financial Planning Services
The Financial Planning Process
Planning involves an evaluation of the client’s needs based on the various elements of their financial picture, and recommendations are made based on this evaluation. Financial planning topics addressed in these engagements may include, but are not limited to:
- Cash Flow and Debt Management: We will analyze current cash-flow in order to forecast cash inflows and outflows over several periods. In addition, we analyze the value the assets a Client owns, minus liabilities in order to gauge a Client’s financial health and to provide a snapshot of your current financial position.
- College Savings: Includes projecting the amount that will be needed to achieve college or other post-secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren (if appropriate).
- Employee Benefits Optimization: We will provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals.
- Financial Goals: We will help Clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.
- Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home, and automobile.
- Investment Analysis: This may involve developing an asset allocation strategy to meet Clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of our ADV brochure.
- Retirement Planning: We gather income details regarding current retirement accounts as well as ascertaining planned retirements dates. The Firm will use this information to evaluate Client’s current position and make recommendations designed to help you achieve your retirement goals.
- Risk Management: A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long‐term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self‐insuring”).
- Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with the consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation (we recommend that you consult a tax professional before implementing tax planning strategies)
- Estate Planning Services: We provide estate plan implementation services for our clients to assist with formation of estate documents. Estate plan documents include trust, will, certificate of transfer, financial power of attorney, medical power of attorney, etc. We may ask for an explanation or clarification of some items, but we will not audit or otherwise verify client data. The client is responsible for the completeness and accuracy of information used to draft the documents. We will utilize the services of a third-party estate planner to draft your estate documents and we will work with you and the third party in order to gather the necessary information as part of this service. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time-to-time, we will participate in meetings or phone calls between you and your attorney with your approval or request.
Schedule a meeting to make sure we are a good fit and can support your needs.