Our Services
What We Do
Communication and trust is at the heart of everything we do. We are passionate about developing long-term relationships, standing beside you through the many changes that life inevitably holds for us all. We understand you and your needs because we share many of them, too. From financial priorities like retirement, or educating our kids, to other goals like career aspirations and creating a sense of community at home and at work, we view everything from a place of unity and understanding.
We make working with us as accessible as possible through our transparent fee-based services. We also hold fiduciary status, meaning we’re legally bound to put your best interests first, always. We hold ourselves to the highest ethical standards, so you can feel confident that your money is being used to serve YOU, not us.
Planning
Goals
- Clients are ready to clarify, simplify, and organize their financial life. They see the value in partnering with experienced Advisors to take a holistic approach to defining goals, analyzing options, making informed decisions, evaluating risks, and implementing strategies to pursue their financial goals and minimize risks. Clients want to focus on what matters most in life and partner with us on an ongoing basis to stay informed, access objective advice, and make adjustments as changes in investments, finances, laws, and life occur.
Services
- Together we design and implement an integrated financial plan covering selected aspects of client’s financial life, which can include:
- ✓ Building, preserving and distributing wealth
- ✓ Portfolio construction
- ✓ Comprehensive asset allocation
- ✓ Tax planning • Estate planning
- ✓ Insurance
- ✓ Budget and cash flow analysis
- ✓ Retirement (and other goal) planning
- ✓ Executive compensation
- Clients partner with us, initially and over time, to manage and maintain their financial plan through ongoing communications and collaboration that reflects changes in their life, planning strategies, the laws, and the investment markets. Asset allocation does not ensure a profit or protect against a loss.
Fees
- Minimum investable assets: $500,000. The Financial Review is a one-time fee that covers a customized review of your financial situation, goals, and needs, and provides specific recommendations. Fees range from $2,500-$7,500 depending on situation and complexity.
- Annual planner engagements provide ongoing review, advice and management of financial strategies. Minimum annual fees: $1,250. Investment Management fees apply and are in addition to the financial planning fee
Investment Management
Goals
- Clients seek professional knowledge, expertise and support to align their investment strategy with their financial goals. Clients see the value in partnering with experienced Advisors to design, implement and manage an investment strategy, including investment research, analysis and selection. Clients view professional management as a way to accomplish investment objectives while freeing up valued personal time.
Services
- Together we design and implement an investment strategy appropriate to your situation, risk tolerance and goals. Clients receive ongoing investment management guidance and service, which can include:
- ✓ Investment goals / Strategy
- ✓ Risk tolerance
- ✓ Investment Research
- ✓ Investment Analysis
- ✓ Investment Selection
- Clients experience support and communication as it relates to investment management. Important to this process is a qualitative discussion regarding client risk parameters. We follow a regular cycle to implement and monitor client investments.
Fees
- Minimum investable assets: $500,000. Investment Management fees (platform + advisor) range from .75% to 1.00%, varying with platform and investment structure:
- $500,000—$749,000
- $750,000—$1,249,999
- $1,250,000—$4,999,999
- $5,000,000 +
- 0.23% + 0.77%
- 0.18% + 0.72%
- 0.16% + 0.64%
- 0.13% + 0.62%
Risk Management
Goals
- Clients seek targeted strategies to identify, quantify and transfer financial risks that are appropriate for their circumstances and goals, which can include:
- ✓ Life Insurance
- ✓ Long Term Care
- ✓ Disability protection
Services
- Clients receive guidance, advice and service related to their specifically defined needs and concerns. Additional services, outside of scope of work defined, will be determined separately as requested or recommended. Investment Management and Financial Planning services are available separately.
Fees
- Fees vary and are associated with the products selected and will be reviewed at the time of discussion.
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