We provide three primary services:
- Investment/Asset Management & Supervision
- Financial Planning
- Hourly Counseling as needed
Our investment management service starts out with a complimentary and no-obligation introductory meeting in order for the prospective client to decide if we can improve his/her financial situation and planning. Once a client agrees, we will use your financial input, goals, and risk profile to prepare a free standard financial plan that will provide a road map for your financial goals. The financial plan will include a portfolio that we have developed just for you so that your realistic financial goals can be achieved. Once you open up your own brokerage account, typically with Vanguard, we will manage and supervise your portfolio and make sure that your investments are consistent with your updated financial plan. Your financial plan is always updated for free when necessary.
Our investment management fee is very affordable and is based on the size of the portfolio. For portfolios with values up to $200,000, the fee is calculated at an annual rate of 0.75%, payable at the end of each quarter. For portfolios greater than $200,000, the fee as a percentage of the portfolio declines:
Assets Annual (quarterly) %
0 - $200,000 0.75 (0.1875)
$200,000 - $500,000 0.60 (0.15)
$500,000 - $1,000,000 0.45 (0.1125)
> $1,000,000 0.30 (0.075)
This fee
includes not only investment management, but any and all issues that
may arise, whether it is periodically updating retirement income
projections, insurance advice, when to take social security, medicare questions, etc.
We have no minimum asset requirements although we do typically charge a minimum annual fee of $500.
Fees for financial planning and investment advice services and consulting are $85 per hour. Hourly fees are billed in ten minute increments. Projects with duration longer than three months will be billed quarterly.
