What we do.

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.

What’s Included

Financial Planning

Financial Planning

An ongoing relationship with a CERTIFIED FINANCIAL PLANNER™ who is committed to optimizing your financial life. Comprehensive planning means we’ll cover all the bases, from your initial plan and goal setting, to optimizing your cash flow, retirement, insurance, estate & tax planning, and much more. With regular check-ins to make sure you’re on track and unlimited support, we’re your collaborative partner in every decision that might be remotely related to money throughout the year.

Investment Management

Investment Management

We’ll design a tailor-made investment portfolio based on your individual goals, time horizons, risk tolerance, and liquidity needs. No sales. No commissions. No nonsense. And most importantly, no asset-based fees. We’ll regularly rebalance your account, take advantage of tax-loss harvesting opportunities to save you money on your tax return, handle all cash management, and manage your portfolio with an evidence-based approach backed by decades of academic research.

Tax Planning & Preparation

Tax Planning & Preparation

Managing taxes is a fundamental part of our financial lives. Proactive tax planning is integrated with your financial planning and investment management strategies, helping you make the right tax moves before you even think about filing your returns. We’ll also prepare and file your federal and state returns for you each year, making sure you’re taking advantage of all available deductions, credits, and tax opportunities.

Comprehensive Financial Planning

Pricing

Flat annual fee of $6,000, paid monthly or quarterly.

No onboarding fees.

Professional investment management and tax preparation included.

Comprehensive Financial Planning

Details

Financial Life Management

Our Financial Life Management service consists of three tightly integrated components that are packaged and provided together on an ongoing basis, all included in our annual flat fee.

Unlike other advisors, we aren’t compensated by the sale of financial products, by charging 1-2% of assets under our management, or by a complexity calculation that attempts to justify higher fees based on your income or net worth. Our fees are based simply on the value of the comprehensive services we provide to clients who want to fully optimize their financial lives.

Comprehensive Financial Planning

Financial Planning

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.

Investment Review

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.

Proactive Support

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.

Comprehensive Financial Planning

Investment Management

Personalized Portfolios

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.

Evidence-Based Approach

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

Tax Planning

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.

Tax Preparation

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.

Frequently Asked Questions

Do I need a minimum level of assets to become a client?

No, we have no asset minimums, and we charge the same flat fee for all clients regardless of whether they choose to have us manage their investment accounts or not.

Are you a fiduciary?

Yes. We believe that anyone offering services as a financial advisor or planner should be held to a fiduciary standard of care at all times, with no exceptions. We will continue to advocate for policy and legislation that supports and enforces professional and ethical standards of competency and conduct.

Can I become a client if I don't live in the Washington, DC or Richmond, VA area?

Absolutely. Entelechy is a location-independent financial services firm, with clients on both coasts, in between, and on the other side of the globe. The majority of our client meetings are powered by Microsoft Teams, meaning you have access to a CFP® professional via email, phone, or video conference from anywhere with an Internet connection.

Can we meet in person?

Of course. We have offices in Bethesda, MD and Richmond, VA, and can meet you in the Washington, DC or Richmond, VA metro areas.

Ready to Get Started?