What we do.

We focus on three core offerings provided as separate and distinct services.

Comprehensive Financial Planning

Comprehensive Financial Planning

An ongoing relationship with a CERTIFIED FINANCIAL PLANNER™ for a flat annual fee, paid monthly or quarterly. 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

Tailor-made investment portfolios based on your individual goals, time horizons, risk tolerance, and liquidity needs. No sales. No commissions. No nonsense. 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. All for one simple fee.

One-Time Projects

One-Time Projects

One-time engagements for those looking for answers to a few specific questions, or help with a specific task like optimizing your portfolio or employee benefits, or preparing and filing your tax return. A detailed write-up of all recommendations is included at the end of the project, with one simple fee based on project scope and complexity.

Financial advice designed with you in mind.

We’re here to help you feel confident in your future.

No more worrying. No more doubting your financial decisions. No more wondering who you can trust.

Just objective, straight-forward advice from a CFP® professional delivered virtually using the latest technology available.

Comprehensive Financial Planning

Comprehensive Financial Planning

Details

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.

Recurring Check-In Meetings

We’ll review your progress toward your goals at least every 6 months, or as life changes, and update your comprehensive plan annually.

Budget & Cash Flow 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.

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.

Salary Negotiation & Income Strategies

Learn how to ensure you’re being fairly compensated for your work, negotiate a higher salary or better benefits, and earn extra income on the side.

Investment Review

Regular review of your investment accounts to make sure you’re on track to meet your goals, including retirement.

Major Purchase / Expense Planning

Wondering how much you can really afford to spend on a house? Saving for your children’s college education? Trying to figure out how to pay off your student loans? We’ve got you covered.

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.

Secure Online Portal

Secure & convenient access to the information you need to be financially successful.

Unlimited Email Support

You’ll have access to unlimited guidance and support for all of your financial questions.

Pricing

Annual fee of $3,000, paid monthly or quarterly.

Initial start-up fee of $1,500 – $3,000 includes first 3 months of service.

Potential discounts available based on annual pre-tax income:

Annual Pre-Tax Income  Monthly Fee
$150,000 + $250/month (standard fee)
$100,001 – $150,000 $200/month ($600 discount)
$75,000 – $100,000 $150/month ($1,200 discount)
under $75,000 $100/month ($1,800 discount)

Fee determined annually based on current income & complexity.

Comprehensive Financial Planning

Investment Management

Details

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.

Evidence-Based Approach

We’re not in the business of trying to pick individual stocks, beat 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.

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.

Secure Online Portal

Secure & convenient online access to your investment account information.

Pricing

One simple fee, paid quarterly.

Portfolio Value  Annual Fee
All 0.50%
(0.125% / quarter)

One-Time Projects

Details

One-time Engagement

A financial planning project is a great way to get the help you need for specific and limited topics, or if you’re looking for a one-time comprehensive plan.

Answers to Specific Questions

Curious whether you should rent or buy? Want to know how you should allocate your 401(k), IRA, TSP, or other investment account? Trying to make sense of your student loans? We can help.

Tax Preparation

We also offer tax preparation to help you take full advantage of all available deductions & credits, as well as make sense of recent changes to the tax code.

Pricing

A one-time fee, based on project complexity.

Also available at an hourly rate of $250/hr.

Frequently Asked Questions

What if I don’t have taxable income, or am retired? Can I still become a comprehensive planning client?

  • Yes. Our annual fee for comprehensive planning is based on complexity. While income is a reliable gauge of complexity for working professionals, we provide customized quotes for all of our clients’ unique circumstances.

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

  • No, we have no asset minimums, and we charge the same level fee for all account sizes, even if you’re just getting started and don’t have much to invest.

Is the investment management fee negotiable for larger accounts?

  • Yes.  Our fee is generally negotiable for accounts or total asset levels above $5 million.

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 planning and investment management firm, with clients on both coasts and in between. The majority of our client meetings are powered by Skype, 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. While most of our meetings are held virtually, we have offices in Bethesda, MD and Richmond, VA, and can meet you in the Washington, DC or Richmond, VA metro areas.

Do you prepare tax returns?

  • Yes. Beginning with the 2018 tax filing season, we offer tax preparation services on a limited basis, with priority given to current comprehensive planning clients.