How We Help

We are proud to offer a wide range of comprehensive financial planning services to cover all your needs for today, tomorrow, and the many years ahead. We implement our planning services based on fiduciary standards. Our services are designed to ensure that financial guidance is available to all and demonstrate our belief that comprehensive financial planning is on-going. We are here to hold your hand every step of the way (see our company logo).

HOW IT WORKS

As outlined below, we have broken down the seven core areas of financial planning that we address to assist you in building wealth. This is an all-encompassing package to get your planning needs in order and keep them there. We take pride in how detailed we are in our planning strategies and techniques..

WEALTH MANAGEMENT PROGRAM PRICING

This comprehensive program is a full-service approach to financial planning. Within this program, we will provide comprehensive financial planning along with managing your investment portfolio.

Our wealth management program services begin at 1.25% and decrease as your assets’ size grows. The minimum annual fee is $5,625.

*Please keep in mind that we do not have an asset minimum requirement. If your investable assets are lower than $450,000 within this program and do not meet our minimum annual fee, we will allow you to supplement the difference outside of your assets via cash flow. We call this our wealth accumulator payment option.*

PORTFOLIO MANAGEMENT PRICING

Our investment management services include creating a personalized allocation tailored to your holistic risk tolerance towards the market. This begins by determining how your investment behavior reacts to certain market conditions. In addition, our services include analysis and recommendations regarding psychological risk tolerance and money-related attitudes. They are designed to understand, educate and ultimately help you build wealth.

Our investment management services begin at 1.00% and decrease as your assets’ size grows. The minimum annual fee is $3,000.

CORE SERVICE GROUPS

Please scroll through the eight core groups listed below to see all the services included in our Wealth Management Program.

Fundamental Financial Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level

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BASIC LEVEL

Review Credit Scores & Credit Report / Credit Score Optimization

Personal Balance Sheet Calculation & Net Worth Statement

Basic Strategies On Managing & Paying Off Debt

Emergency Fund Calculations & Recommended Balance Optimization

Employment Benefits Review (i.e., HSA, Medical Plan Selections and etc.)

Create Comprehensive Cash Flow Based Financial Plan

Analyze & Create College Funding / College Savings Strategies

Occupation / Career Change Evaluation (Compensation & Benefits)

Student Loan Review; Repayment Strategies

Home Loan Review; Auto Loan And/Or Lease Review; Provide Recommendations

Investment Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level

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BASIC LEVEL

Analyze & determine goals, risk tolerance, and time horizons

Review & analyze all holdings to determine alignment with current goals

Create “Living Asset Allocation” based on your cash flow needs

Reviewing current employment retirement plan investment options

Provide an asset allocation based on your financial plan

Review investment selection & allocation within Variable Annuities

Review investment selection & allocation within Variable Life Insurance

Investment Portfolio monitoring & periodic rebalancing

Implementing an individual bond strategy for fixed income investments

Implementing an individual stock strategy for equity investments

Retirement Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level

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COMPREHENSIVE LEVELCLICK TO VIEW
BASIC LEVEL

Analyze & determine Pre-tax Contributions vs. After-tax Contributions

Creation & Implementation of Retirement Projections

Determine a Retirement Withdrawal Plan

Coordinate with Employer benefits plan Director/Administrator

Review Pension Selections and optimize withdrawal strategies

Social Security Analysis & Planning

Analyze & create Executive Compensation Award Strategies

Analyze & create Deferred Compensation Strategies

Analyze & determine Small Business Retirement Plan Selection

Analyze & determine Roth IRA Conversion Strategies

Tax Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level

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COMPREHENSIVE LEVELCLICK TO VIEW
BASIC LEVEL

Review two previous years of personal tax returns (Federal & State)

Provide annual tax projections

Analysis & Implementation of Tax Loss Harvesting Strategies

Coordinate with current C.P.A / Tax Professional

Insurance & Risk Management Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level

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BASIC LEVEL

Review of all existing policies to ensure adequate coverage & risk reduction

If coverage is non-existent, determine adequate coverage

Education & advisement for life, disability, and long term care insurance

Overview of existing property & casualty coverages

Overview of existing Umbrella policies; provide recommendations

Long-term care cash flow needs analysis

Estate Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level

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COMPREHENSIVE LEVELCLICK TO VIEW
BASIC LEVEL

Overview of existing Last Will & Testament; ensure current & valid

Review beneficiaries on Retirement accounts & Life Insurance policies

Overview of other existing Estate Planning documents

Overview of Asset Titling (i.e. accounts & property)

Overview of additional Estate Planning documents (i.e.,Trust)

Creation & Review of Estate Planning Flow Chart

Estate Settlement Assistance; asset movement to heirs at bereavement

Estate Inheritance Assistance; assisting in wealth transfer

Coordinate with current estate planning attorney

Philanthropic/Charitable Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level

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COMPREHENSIVE LEVELCLICK TO VIEW
BASIC LEVEL

Overview of current tax year gifting options & recommendations

Charitable Strategies using Required Minimum Distributions

Charitable estate planning

Assistance with selecting/interviewing charities & their board

Assistance with Donor Advised Funds, Foundations, & Supporting Organizations

Creating and implementing advance charitable gift planning strategies

Technology Access

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level

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COMPREHENSIVE LEVELCLICK TO VIEW
BASIC LEVEL

Access to dynamic, secure and custom account aggregation tools

Individual, secure & ample cloud storage for all important documents

Accessible via a secure internet connection – Anytime. Anywhere

Online Scheduling and Virtual Meeting availability & flexibility

Recommendations provided for additional tools to help specific client needs