Our Services

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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.

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Planner Client

Goals

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  • Planner 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, and implementing strategies to work toward their financial goals.
  • Planner Clients partner with us on an ongoing basis to stay informed, access objective advice, and make adjustments as changes in finances, laws, and life occur.
  • Planner Clients want to address their questions, seek to reduce financial worries, and decrease complexity so that they can focus on what matters most in life.

Services

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  • Planner Clients design and implement an integrated financial plan covering selected aspects of their financial life, which can include:
    •  ✓ Building wealth
    • ✓ Portfolio construction
    • ✓ Asset allocation
    • ✓ Estate planning
    • ✓ Life insurance
    • ✓ College funding
    • ✓ Retirement planning
    • ✓ Executive compensation
  • Planner 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

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  • 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.
  • Annual planner engagements provide ongoing review, advice and management of financial strategies.
  • Minimum annual fees: $500.
  • Fees range from $2,000 to $5,000 depending on situation and complexity.

Investment Management Fees (Platform + Advisor)

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  • i. $500,000 - $749,000 0.25% + 1.00%
  • ii. $750,000 - $1,249,000
  • iii. $1,250,000 - $4,999,999
  • iv. $5,000,000 +
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Investor Client

Goals

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  • Investor Clients seek professional knowledge, experience and support to align their investment strategy with their financial goals..
  • Investor clients see the value in partnering with experienced Advisors to design, implement and manage an investment strategy, including investment research, analysis and selection
  • Investor Clients view professional management as a way to pursue investment objectives while freeing up valued personal time.

Services

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  • Investor Clients design and implement an investment strategy appropriate to their situation, risk tolerance and goals. Investor clients receive ongoing investment management guidance and service, which can include:
    •  ✓ Investment Goals
    • ✓ Risk Tolerance
    • ✓ Investment Strategy
    • ✓ 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

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  • Minimum investable assets: $150,000
  • Investment Management fees (platform + advisor) range from .75% to 1.25%, varying with platform and investment structure:
    • $150,000—$749,000
    • $750,000—$1,249,999
    • $1,250,000—$4,999,999
    • $5,000,000
    • 0.25% + 1.00%
    • 0.20% + 0.90%
    • 0.18% + 0.80%
    • + 0.13% + 0.62%
  • Financial planning services are not included, however, certain engagements may include targeted financial advice.
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Situational Client

Goals

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  • Situational Clients seek targeted strategies to specified goals or situations. Situational Clients work with us on a limited basis to seek guidance on the most appropriate strategies for their circumstances and goals, which can include:
    •  ✓ Investing strategy (one-time)
    • ✓ Life Insurance
    • ✓ Long Term Care
    • ✓ Disability protection
    • ✓ Estate settlement assistance

Services

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  • Situational Clients receive guidance, advice and service related to their specifically defined needs and concerns.
  • Ongoing service and support is provided as it relates only to the work performed. 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

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  • Minimum fees/compensation $1,000
  • Strategies will be selected based on client situation and needs.
  • Project fees: Services may be fee or commission based, depending on the solution provided. Minimum fees are $1,000 per project.
  • Hourly fees: Financial advice may be provided on an hourly basis, at the rate of $375 per hour.
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