Services & Fee Schedule

• Organize your finances to gain a clear understanding of your current situation 
• Financial plan to provide a framework for quantifying financial decisions: 
• Tax-efficient retirement income planning 
• Forward-looking income tax estimates to implement effective tax mitigation strategies 
• Required minimum distributions (RMD) 
• Social Security claiming strategy 
• Employee benefits analysis 
• Insurance planning 
• Health insurance and health cost planning
• Charitable gift planning
• Estate planning* 
• Major life decisions planning 

• Tax return reviews
• Current year tax planning, optimizing, and coordinating income tax sensitive items: 
• Portfolio withdrawals
• Impact on Medicare premiums 
• Capital gains tax 
• Tax bracket management 
• Income tax withholdings 
• Roth IRA conversions 

• Investment strategy grounded in Nobel Prize-winning academic research [2]
• Utilizing mutual funds and ETFs from Dimensional Fund Advisors (some of which may not be available to retail investors) 
• Asset allocation aligned with your goals
• Portfolio rebalancing
• Tax loss harvesting
• Portfolio reviews 

Serving an intentionally small, select group of clients - maintaining a high service standard - allows us to allocate more time to our clients' matters and promptly respond to all inquiries.

We provide access to the financial planning portal, which lets you track all your assets in one centralized location and view your financial plan, balance sheet, cash flow reports, and progress towards your goals. Your complete financial picture is available whenever you need it.

As an independent advisor, we work with a third-party custodian, Charles Schwab, to safeguard your investments. Schwab ensures that your assets are held in a separate account under your name, and we have limited authority to manage the account on your behalf. You have full access through the website and phone, and you receive correspondence about your account directly from your custodian. 

Charles Schwab & Co., Inc. has over 30 years of experience serving independent advisors. Schwab pioneered the business of exclusively catering to independent, fee-only investment advisors and their clients. 

As of January 2024, Schwab manages $8.5 trillion in Total Client Assets. (Source: "Schwab reports fourth quarter and full-year results," Schwab news release, January 17, 2024). 

If necessary, you can contact Schwab Advisor Services at 800-515-2157 or visit: schwaballiance.com 

Our flat retainer fees for investment management range from $4,000 to $12,000 per year per client relationship and include complete advisory services. 

According to a 2019 study, the industry average investment advisory fee is 0.96% annually [3]. This implies that an investor with a $2 million portfolio may pay $19,200 annually to the advisor managing the investments ($3 million = $28,800 annually; $4 million = $38,400 annually, etc.). 

Through experience, we have found that it does not cost a firm more to manage a $4 million portfolio than a $2 million portfolio. So why should clients pay more to receive the same services? 

We offer simple and transparent flat-fee advisory services based on the complexity of your financial situation and the services we provide, rather than on your assets. 

The difference between a typical 0.96% investment advisory fee and a flat annual retainer fee over a long period can be overwhelming. Assuming a 7% return on a portfolio [4], a 0.96% advisory fee can cost an investor with a $2,000,000 portfolio over $1,000,000 in lost returns over twenty years, compared to a flat annual retainer fee of $8,000.