SERVICES & PRICING

Whether you are just starting out on your career or knocking on retirement’s door, a fully implemented financial plan can be the missing piece that secures your future and gives you peace of mind.

Financial Planning

Our goals based financial planning approach will help you prioritize your goals, focus on what’s important and provide peace of mind. Emphasis is placed on reducing your tax liability wherever possible, while balancing saving for the future and living your best life today.

Investment Management

The investment marketplace can be a roller coaster but a necessary tool to help put your long-term goals into action. Our diversified portfolios are matched to your risk appetite and the time horizon for your financial goals.

Tax Planning

It’s no surprise that one of life’s biggest expenses is income taxes. By understanding how your financial decisions impact your taxes, we can adopt strategies to minimize this liability and achieve your goals more tax-efficiently.

FINANCIAL PLANNING AREAS

Goal Planning

  • Annual savings
  • Short term goals
  • Long term goals
  • Large planned expenses
  • Charitable giving
  • Gifting to family
  • College planning
  • Trusts
  • Wills

Taxes

  • Minimize taxes
  • Maximize deductions
  • Roth conversions
  • Tax loss harvesting
  • Track cost basis
  • Analysis of investment gains
  • Tax projections
  • AMT from ISOs
  • Long-term tax planning

Investments

  • Asset allocation
  • Diversification
  • Minimize fees
  • Time horizon
  • Risk assessment
  • Withdrawal strategies
  • Stock option
  • RMD analysis

Retirement

  • Timing of retirement
  • Location of retirement
  • Social security
  • Medicare/Medicaid
  • Pension evaluation
  • Annuities
  • Gifting

Insurance

  • Life insurance
  • Long term care
  • Disability
  • Home/Renter’s
  • Auto
  • Umbrella
  • Professional
  • Health
  • Medicare

Cash Flow

  • Income projections
  • Expense analysis
  • Budgeting
  • Debt management
  • Unplanned large expenses
  • Emergency funding

Small Business Owners

  • P&L review
  • Growth planning
  • Business plan
  • Retirement planning
  • Tax planning
  • Liability insurance
  • Business interruption insurance
  • Debt management
  • Succession planning

Charitable Giving

  • Donor-advised funds
  • Private foundations
  • Charitable trusts
  • Cash donations
  • Stock donations
  • Qualified charitable distributions

PRICING

Initial engagement fee, dependent on plan complexity, plus annual planning and asset management fees, paid quarterly.

InvestmentsAnnual Fee
Up to $3,000,0001.0%
$3,000,000 – $5,000,0000.90%
$5,000,000 – $10,000,0000.75%
$10,000,000 – $15,000,0000.60%
Over $15,000,0000.50%

Additional Offerings —

  • Tax return preparation services are offered through Four15 Advisors, an unaffiliated entity, for a separate fee.
  • Hourly consultations may be available starting at $300+ per hour. Hourly consultations are not available at all times.