It's fun to do the impossible - Walt Disney
One Simple Fee
$4,800 per year per client relationship
Your Financial Plan And Investment Management Is Included In Our Flat Fee
WHY A FLAT FEE?
We have built an annual flat fee structure that compensates us for our expertise and the services that we provide, rather than a client’s portfolio size.
We firmly believe that a flat annual fee is a more appropriate compensation method for wealth management than the traditional percentage of assets under management.
We know from experience that it does not cost a firm more to manage $1,000,000 portfolio than it does to manage a $500,000 portfolio. Why then should you pay in some cases double to receive the same services.
A primary principle in economics is that people (including advisors) respond to incentives. We believe that our fee structure puts us on the same side of the table as our clients. Having the right incentives, combined with our expertise and experience, allows us to give the best advice possible to our clients. Gifting, rental income, spending and paying off debt all cause conflicts of interest to an advisor who charges you a fee based on your portfolio size.
It's important to understand what you are paying, but it shouldn't be the only reason you choose an advisor. Instead, focus on the value you receive from the relationship.
We provide financial planning and investment management for one simple fee. We don't nickel and dime you here.
NO ONE-TIME SET-UP FEES
NO FEE INCREASE FOR PORTFOLIO SIZE
NO ONE-TIME FINANCIAL PLAN FEE
NO ADDITIONAL PERCENTAGE FEE FOR INVESTMENTS
ONE SIMPLE FEE.
No Percentage Fees
The difference between a typical advisory fee and a flat annual retainer fee over a long period of time can be over $300,000.
Client - "I pay you 1% on the $250,000 of my assets you manage, right?"
Advisor- "CORRECT. THAT 1% IS $2,500 ANNUALLY."
Client - "I am getting ready to retire and you want to manage my $750,000 401k balance at the same 1% fee. This would increase the fee I pay you 4x from $2,500 to $10,000 annually. Explain to me in detail how you will increase my service 4x."
Advisor- "THAT'S JUST THE WAY IT IS......."
Not an event but a process. Life is filled with uncertainties, but planning for the future shouldn't be one of them. Along the way, we proactively review and update your plan as the unexpected may bring change and a shift in priorities. We pay attention to your larger story and help you make adjustments as needed
Is It Worth It?
MR & MRS JONES NEST EGG IS WORTH $750,000
HERE ARE THEIR FEES
Control the fees you pay your advisor
Control the fees you pay for investment products
Minimize the tax impact of your portfolio
What Services Are Included For The Flat Fee
A comprehensive financial plan should be at the heart of any long-term investment plan. Investing isn’t just about growing your portfolio, it’s about aligning your portfolio with your specific goals. Whether it is generating retirement income, transferring wealth to future generations or leaving a charitable legacy, your goals come first in developing an investment strategy. Although our fees are lower than traditional providers for many of our clients, we do not restrict client interactions and we are always available to our clients via phone, email and web conference.
Financial Planning Services
- Retirement Income Planning- your plan for turning your nest egg into cash flow for life
- Social Security Maximization Analysis
- Estate/ Beneficiary Analysis
- Life Insurance review
- Charitable gift planning
- Integrated tax planning
Investment Management Services
- Development and Implementation of Investment Policy Statement-your personalized investment strategy
- A written quarterly performance monitor and market commentary
- Discretionary asset management (no mutual funds)
- Portfolio rebalancing- to keep your portfolio in line with your goals
- Tax-loss Harvesting and Tax-efficient Withdrawal Strategy
- RMD Calculation and Distribution
- 401K Optimization
We Strive To Answer The Following Questions:
- What is my tolerance for risk? How is that likely to change over time?
- Does my current portfolio meet our lifestyle needs now and in the future?
- Is my current investment strategy affordable?
- What is our net annual return in dollars and on a percentage basis?
- How much are we paying annually for investment advice?
- How tax-efficient is our investment portfolio?
- What are my plans for my retirement savings?
- Can I realistically expect to maintain my current standard of living once I leave work?
- How should my investment strategy change now that I'm nearing retirement?
- Historically speaking, how much should we adjust for inflation, cost-of-living, etc., risk and return on investment over the long haul?
- How much can we draw annually from our investment portfolio to supplement other sources of retirement income, while still making sure that our portfolio value keeps up with inflation?
- What are the optimal choices to make for required minimum distributions from our retirement accounts prior to reaching age 70 1/2?
- What investments should I spend first in retirement – taxable or tax-deferred retirement assets?
- Should we consider long-term care insurance? What are the key factors to consider?
- My spouse is not knowledgeable about (or perhaps not interested in) financial matters. Who can my spouse turn to for assistance if I am no longer available to handle our affairs?