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