We create customized financial plans to help you prioritize and achieve your goals, with pricing based on the tiers below. After completing our meeting form, your advisor will provide a specific quote and inform you of any additional charges based on your situation.

 

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What to Expect

We walk through the following six steps when developing your financial plan:

Agree on how we will be working together.

We’ll discuss each of our responsibilities and expectations for the service you choose.

Gather information about your finances and set goals.

In addition to looking at financial statements, we’ll use the following worksheets to help us analyze your situation:

Analyze and evaluate your financial status.

We’ll analyze your current financial status and the likelihood of achieving your goals, looking for improvements such as: 

  • Use of tax-advantaged accounts
  • Better ways to manage debt
  • Possible tax savings
  • Risk management techniques

Develop and present recommendations.

During a collaborative review session, we’ll present our findings and make adjustments based on your feedback. Your customized financial plan will provide action items, a monitoring schedule, and targets.

Put your financial plan into motion.

You can choose to complete the action items on your own or with our assistance through our wealth management service.

Monitor progress and stay on track.

It’s important to monitor your progress as you work toward your goals. Your advisor will discuss areas for you to monitor, such as savings, expenses, debts, etc. 

Depending on the complexity of your situation, you can typically expect to receive your financial plan 3-6 weeks after all the information is received.

You might fit in this category if:

  • You started working in the past 10 years
  • You want answers to questions like how much and in what types of accounts to save
  • You are balancing debt payoff and retirement savings
  • You are interested in purchasing a home
  • You need spending strategies and goals
  • You are interested in basic tax savings opportunities
  • You want guidance on basic life insurance coverage needs and estate planning
  • You want to build a foundation for making future financial decisions

What you receive:

An in-depth review of your financial situation with advice tailored to your questions and concerns. We review your situation with you and provide specific financial planning recommendations. After our meeting we provide a detailed report that typically includes: (i) cash flow/net worth projection, (ii) recommended allocation ranges of stocks, bonds and cash (iii) a comparison of different financial planning scenarios (i.e. different retirement ages, spending levels or investment returns), and (iv) any other specific analysis requested. Financial plan is billed based on the time taken to create it.

You might fit in this category if:

  • You have the characteristics of Tier I to a more complex degree
  • You have started accumulated savings in 401(k)s/403bs
  • You want guidance on life insurance coverage needs and estate planning or have existing policies and documents
  • You seek advice on pre-retirement decisions and strategies
  • You want to be more proactive with tax planning
  • You may have received or expect an inheritance or other windfall
  • You are interested in exploring the timing of retirement or financial independence
  • You seek advice on the future timing of social security
  • You are a single individual, pre-retirement with a simple situation that is not Tier III
  • You are starting a family and want guidance with planning for college

What you receive:

An in-depth review of your financial situation with advice tailored to your questions and concerns. We review your situation together and provide specific financial planning recommendations. After our meeting we provide a detailed report that typically includes: (i) cash flow/net worth projection, (ii) recommended allocation of ranges of stocks, bonds and cash. (iii) different financial plan scenarios (i.e. different retirement ages, spending levels or investment returns), and (iv) any other specific analysis requested. Financial plan is billed at actual time to complete.

Characteristics of this Category include:

  • You have the characteristics of Tier II to a more complex degree
  • You are established in your career, approaching retirement or recently retired
  • You seek advice on the timing of retirement
  • You need help with stock options, restricted stock, employee stock purchase plan and/or deferred comp plan
  • You are a small business owner with no employees
  • You seek advice on evaluating pension options
  • You need help with how to pay for college for older children
  • You have existing insurance policies or estate documents
  • You have received an inheritance or other windfall
  • You need advice on whether you can afford a second home
  • You have multiple investment accounts

What you receive:

An in-depth review of your financial situation with advice tailored to your questions and concerns. We review your situation together and provide specific financial planning recommendations. After our meeting we provide a detailed report that typically includes: (i) cash flow/net worth projection, (ii) recommended allocation of ranges of stocks, bonds and cash. (iii) different financial plan scenarios (i.e. different retirement ages, spending levels or investment returns), and (iv) any other specific analysis requested. Financial plan is billed at actual time to complete.

Characteristics of this Category include:

  • You have a highly complex overall financial situation or have complex financial questions
  • You have characteristics of Tier III but to a more complex degree
  • You are primary owner of a business that has employees
  • You have complicated stock options or restricted stock terms
  • You have participated in deferred compensation for several years and have multiple elections
  • You have a significant number of investment accounts
  • You own complicated insurance polices
  • You have a large, complex estate plan

What you receive:

An in-depth review of your financial situation with advice tailored to your questions and concerns. We review your situation together and provide specific financial planning recommendations. After our meeting we provide a detailed report that typically includes: (i) cash flow/net worth projection, (ii) recommended allocation of ranges of stocks, bonds and cash. (iii) different financial plan scenarios (i.e. different retirement ages, spending levels or investment returns), and (iv) any other specific analysis requested. Financial plan is billed at actual time to complete.