Our areas of specialization are investment planning, retirement planning and college funding. We provide a written Client Service Agreement at our initial meeting which clearly identifies the range of fees which are based upon the time required for analysis and meetings. Importantly, our clients determine the scope of our services.
We provide clients with a road map that produces goal clarity and a sense of direction and control over their financial future.
Our most common engagements are in the following areas:
- Objective Investment Advice - We will provide you with recommended investment strategies which are consistent with your goals and risk tolerance. We will also provide specific recommendations for reducing investment volatility, decreasing expenses and increasing tax efficiency.
- Retirement Planning - We will guide you in preparing for retirement with advice on targeted savings before retirement and sustainable withdrawals after retirement.
- Life Insurance Planning - We will help decide if you currently have the most appropriate type and amount of life insurance.
- College Planning - We will advise you on the major elements to consider in choosing the best way to save for college: tax efficiency, investment costs and control of assets.
- Simple Solutions to get you and keep you on the right path.
We have no minimum fees or asset requirements. Fees will depend upon the complexity of the analysis and the amount of time involved in meeting with you in person or over the phone, researching and analyzing your current situation, and providing specific recommendations and implementation assistance (if appropriate).
Financial planning fees are determined on a project basis; the total fee for a financial plan will vary from client to client based on the specific needs and complexity of your situation with projects typically ranging from 5 to 12 hours of work. An estimate is provided in writing during a Get Acquainted Meeting, when your personal needs are fully identified.
Once your financial plan is complete, you determine how much ongoing assistance you require with implementation and investment monitoring. As part of each engagement, we are available to answer questions about the plan and to provide guidance about implementation.