We believe in the power of financial planning as a process that continuously adjusts to the life events of our clients, and that our best work is accomplished for clients on an ongoing basis when they simultaneously engage us to fulfill their investment and tax strategies.
We call this integration of financial planning, investment management, and tax planning & preparation
Financial Life Management,
and charge one flat annual fee for this service that isn’t arbitrarily tied to the value of your investment portfolio or net worth.
Flat annual fee of $6,000, paid monthly or quarterly.
No onboarding fees.
Professional investment management and tax preparation included.
Initial Plan & Goal Setting
We’ll meet 2 – 3 times as we get started to clearly define your goals, craft your initial financial plan, and outline a service calendar tailor-made to your needs for future check-ins.
Detailed Retirement Projections & Scenario Analysis
Unlike other advisors, we don’t print out a 50 page document of complex charts and graphs and call it a plan. Your retirement, life goal, and financial independence projections live dynamically within your financial planning portal, and are linked to your financial accounts for real-time updates.
Recurring Check-In Meetings
We’ll review your progress toward your goals at least every 6 months, or as life changes, and update your plan annually.
Cash Flow & Retirement Income Optimization
Give every dollar of your income a purpose before it hits your bank account, and put your cash flow on autopilot, making it easier to save for what’s most important to you or enjoy the retirement you’ve earned.
Employee Benefits Optimization
We’ll make sure you’re getting the best value out of your available employee benefits, and review them annually during open enrollment. If you’re a business owner, we can recommend various benefit programs that can be structured to meet both business and personal retirement goals.
Regular review of your investment and employer retirement accounts to make sure you’re on track to meet your goals, or maintain your standard of living in retirement.
Insurance & Estate Planning
We’ll review your existing insurance policies & estate plan to make sure you’re prepared, and recommend trusted professionals such as attorneys and insurance agents to fill any gaps.
Major Expense / Gift Planning
Wondering how much you can really afford to spend on a house? Saving for your children’s college education? Trying to manage intergenerational asset transfers or charitable gifts? We’ve got you covered.
Objective, straight-forward advice for all of your financial questions is just an email away, with regularly scheduled virtual or in-person meetings to make sure you’re staying on track.
Secure Online Portal
Secure & convenient access to task tracking and the information you need to be financially successful.
We design investment portfolios tailored to you, your specific goals, and risk tolerance using institutional class mutual funds, exchange traded funds and fixed income securities.
Intelligent Rebalancing & Tax Loss Harvesting
We rebalance your accounts regularly to ensure they adhere to your target allocation, factoring in transaction costs, diversification, and tax outcomes. We also harvest tax losses in market declines to save you money on your tax return while keeping you invested in the market.
Focused on What You Can Control
We aim to provide you with a successful investment experience by focusing on factors within your control, including your risk tolerance, asset allocation, asset location, expenses, and taxes.
We’re not in the business of trying to pick individual stocks, time the market or outperform a specific industry index, which academic research has consistently shown to fail over the long-term and only increases costs to investors. Why pay more for poor performance?
Access to Dimensional Funds
We’re part of a select group of advisors authorized to design portfolios with mutual funds created and managed by Dimensional Fund Advisors (DFA). Rather than trying to outguess the markets, Dimensional focuses on delivering exposure to dimensions of higher expected returns consistently, providing an evidence-based investment experience that goes beyond simple indexing.
Secure Online Portal
Secure & convenient online access to your investment account information.
Tax Planning & Preparation
We take a tax-focused approach to both financial planning and investment management, and will help you ensure you’re up to speed on recent changes to the tax code and making the best possible tax moves before you file returns each year.
Preparation and e-filing your federal and state returns is included as part of our Financial Life Management service, so you never have to worry about taking the time out of your schedule or making sure you’re taking full advantage of all available deductions, credits, and opportunities.