Financial Planning Services

  • A comprehensive plan provides a clear picture of:

    • Current financial standing and net worth

    • Current course of action

    • Recommended changes and how that impacts financial direction

    The real strength of the plan shines when I use scenarios to illustrate the pros and cons of various recommendations, helping drive informed decision-making.

      • A dynamic financial plan that covers: 

        • Goal identification and tracking

        • Cash flow planning

        • Insurance planning

          • Life Insurance

          • Disability Insurance

          • Long-term Care Insurance

        • Retirement planning

          • Social security maximization

          • Distribution planning

          • Retirement age analysis

        • Investment planning

        • Education planning

        • Estate planning

      • Quarterly check-ins and consultations

      • Unlimited email and phone support

  • Ongoing fee: $100-$300/mo.

    Fee depends on complexity of financial situation.

    Some variables influencing price are, number of children and their education planning needs, rental properties, marital status, employment status & complexity of benefits (ex. stock options or owning own business), gifting and estate planning.

Investment Management Services

  • Individual Stock Portfolios

    • Top Stocks Portfolio - Our best growth ideas diversified across various sectors

    • Dividend Stocks Portfolio - High quality dividend paying companies.

    ETF Portfolios

    • Strategic Allocations - Simple Stock/Bond based allocations that are meant to track with broad market indices.

    • Total Market Allocations - These portfolios include Stocks and Bonds, but add in asset classes like real estate, commodities, and alternatives

    • Thematic Strategies - Incorporate thematic areas of the market that we expect to offer outperformance potential over the long run. (Ex. Semiconductors, Cybersecurity, Renewable Energy).

    Hedged Equity Strategies

    • These strategies incorporate downside protection with opportunities for appreciation.

    High Income Strategies

    • This strategy targets higher yield through careful stock and ETF selection.

    • Individual Management of Tax Sensitive Portfolios

      • Taxable accounts often require an extra level of care to manage appreciated positions.

      Dollar cost averaging

      • Monthly investments into investment allocation. This takes the emotional aspect of timing the market out of the equation.

      Tax-Loss Harvesting

      • You can take up to $3k of investment losses in taxable accounts against your ordinary income. When possible I harvest losses to reduce your taxable income.

      Concentrated Position Management

      • Careful planning to manage concentrated positions. Utilizing limit orders and covered-call strategies to exit out of the position and generate income.

  • $0k to $500k - 1.2%

    $500k to $1m - 1.1%

    $1m to $2m - 1%

    $2m+ - .9% to .7%

    Cash Management Fee: .9% to .5%

    *Financial planning clients may qualify for discounted investment management fees.

Financial Planning Process

Initial Meeting & Follow Up Discussion

2 x 30 - 60 Min Meetings

The goal with the initial meeting is to get to know you, your situation, and what you’re looking for in a financial planning relationship.

In the follow up meeting well discuss your situation in greater detail and develop and engagement agreement before moving on to the next step.

Discovery

(1 hr.)

This meeting we’ll take a deep dive into your finances, collect all relevant information, and discuss/identify goals.

After gathering all relevant information i’ll prepare your financial plan.

Plan Presentation

(1-2 hrs.)

I’ll walk you through your full financial plan and discuss all items and recommendations in detail.

Implementation

During this phase we’ll work on implementing recommendations. My team will be in touch to setup any accounts as needed and I’ll coordinate with other professionals (CPA, attorneys, etc.) if necessary.

Depending on the schedule we establish we’ll meet either quarterly or semiannually to discuss the plan & review investment performance.