After a verbal agreement is made to move forward with establishing a client relationship, fees are defined in the written agreement appropriate for the type of service (i.e., client's Investment Advisory Agreement, and/or Financial Planning Agreement, and/or Investment Consulting Agreement). The written agreement is required to be reviewed and signed by the client prior to the establishment of a client relationship. Additional information about our firm's services may be found here. Please note, our fee-only financial planner is never paid a commission and has a legal duty of care to place a client's interest ahead of her own.
Fixed or hourly rate available.
Fees based on complexity of portfolio.
Fees based on assets under management (AUM).
Are you looking to create a plan for organizing your financial situation? A consultative service, you may choose from the following services: financial planning, retirement analysis, and/or tax planning. From personal finance basics (emergency fund and cash flow planning) to answering more nuanced questions (How much do I need to save to reach my specific goals? What is the best way for me to save, based on my situation? Does a Roth conversion make sense for my situation?). Client receives a bill soon after delivery is made. Optional quarterly check-in connections between client and financial planner are available to provide accountability without additional cost. Deliverables include 1 financial plan document and 1 summary sheet with recommendations.
Are you a self-directed investor seeking the opinion of a financial professional without giving up control and paying an assets under management (AUM) fee? Services include reviewing existing investment guidelines, policies, performance, costs, and asset allocation in light of client risk tolerance and risk capacity. Tax planning considered when trade recommendations are made. Client receives a bill soon after delivery is made. Optional semi-annual check-in connections between client and financial planner are available to provide accountability without additional cost. Deliverables include 1 summary sheet to summarize recommendations and 1 investment portfolio analysis.
Are you an investor who prefers to lean into the guidance of a professional for ongoing investment management? Services include investment portfolio selection and management. Management includes creating investment guidelines for the portfolio and identifying a rate of return based on client time horizon, risk tolerance, income needs, and risk capacity. The service includes quarterly or semi-annually client connections based on client preference.
Are you interested in seeing how your investment management strategy fits into the big picture of your financial situation? Ongoing financial planning is included with investment management without additional cost. Ongoing deliverables include 1 portfolio performance report and 1 investment portfolio analysis. If ongoing financial planning is chosen, 1 financial plan is included with the deliverables and updated as needed.