Services & Fee Schedule

• We start by organizing your finances so you can clearly understand your current situation. 
• Next, we build your personal financial plan to provide a framework for quantifying financial decisions and answering some of the important questions you may have:
• How long do I need to keep working?
• When can I retire?
• Do I have enough?
• How should I allocate my investments now and in retirement?
• What steps should I take to prepare for retirement?
• How do I create income in retirement?

• We align your investments with your plan to support your goals.
• Our Investment strategy is rooted in peer-reviewed economic science and academic financial research. [2]
• We use a low-cost, tax-aware, diversified investment methodology implemented through ETFs and mutual funds from Dimensional Fund Advisors and other companies.

• We review your tax returns on an ongoing basis, looking to optimize and coordinate tax-sensitive items - portfolio withdrawals, impact on Medicare premiums, tax bracket management, capital gains, Roth conversions, Charitable giving, estimated taxes - and for the potential to reduce your tax liability now and in the future.

• 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 third-party custodian Charles Schwab to safeguard your investments. Schwab holds your assets in a separate account in 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 account correspondence 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. 
• If necessary, you can contact Schwab Advisor Services at 800-515-2157 or visit www.schwaballiance.com

• We do not restrict client interactions and are always available to clients by phone, email, and web conference.

• 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.

*The fixed fee is negotiated individually and generally ranges from $4,000 to $12,000 per year, depending on the scope of services, complexity, time required, number and type of accounts, number of objectives, number of individuals, ongoing administrative needs, and other miscellaneous requirements. Annual fees are prorated and paid quarterly in advance.