Client Services

We offer three distinct service models to help our clients obtain the professional advice and guidance they require in a manner aligned with their needs.

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 achieve their financial goals.

Planner Clients partner with us on an ongoing basis to stay informed, access expertise, and make adjustments as changes in finances, laws, and life occur.

Design and implement an integrated financial plan covering selected aspects of their financial life, which can include:

Building, Protecting, and Distributing Wealth

Portfolio Construction

Asset Allocation

Estate Planning

Life Insurance

College Funding/Planning

Retirement Planning

Executive Compensation

Fees: Minimum initial/annual fees of $2,500

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 – $5,000 depending on situation and complexity.

Annual Planning Engagements provide ongoing review, advice and management of financial strategies. Minimum annual fees: $2,500. Investment Management fees are billed per Investment Fee Schedule.

Investor Clients seek professional knowledge, expertise and support to align their investment strategy with their financial goals. They 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 accomplish investment objectives while freeing up valued personal time.

Design and implement an investment strategy appropriate to their situation, risk tolerance and goals. Ongoing investment management guidance and service, which can include:

Investment Goals

Risk Tolerance

Investment Strategy

Research and Analysis

Investment Selection

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 annual fees of $2,500

Investment Management Advisory fees (annual) range from .25% to 1.20%, varying with platform and investment structure.

Please see Service Level Agreement for Investment Management Advisory fees pertaining to Qualified investment accounts (IRA, Roth, 401k, etc.).

Financial planning services are limited in scope based on specific account objectives and certain engagements may include targeted financial advice.

Situational Clients seek targeted solutions to specified goals or situations. They work with us on a limited basis to seek guidance on the most appropriate solutions for their circumstances and goals, which can include:

Investing strategy (one-time)

Life insurance

Long Term Care

Disability protection

Estate settlement assistance

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: Minimum fees/revenue: $1,000

Solutions will be selected based on client situation and needs. We hold to a fiduciary standard of care (as outlined in the CFP Standards of Professional Conduct). That means finding solutions in your best interest is our primary concern.

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 $250 per hour.