Our Services

“I’d rather be certain of a good return than hopeful of a great one.”
– Warren Buffett

We are a comprehensive fee-only financial planning firm.  As such, we address all areas of your financial life.  This includes each area of financial planning as well as investment management. We believe that each aspect of your financial life impacts all other areas.  It is therefore essential to take a comprehensive approach that puts all planning and investment strategy decisions within a global context.

Financial Planning

We believe that true financial planning is a process, not a one-time event. Life is dynamic and the financial plan must be constantly monitored and adjusted to ensure that you remain on track whatever changes may arise within your life or in the world at large.
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Social Security Planning

Social Security is far more complicated than most people realize. The decisions you make now can have a tremendous impact on the total amount of benefits you stand to receive over your lifetime. Social Security planning is a key component of our comprehensive planning services. It is also available as a standalone review service to help you determine the optimal benefit claiming strategies for your situation.
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Investment Management

Once we understand your long term goals and have assessed your overall financial situation, we work with you to develop a prudent investment strategy.  The objective of this strategy is to help you achieve your long term objectives while taking no more risk than necessary. We employ low cost, tax efficient investments when implementing your strategy.
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Fee

Our annual fee includes all of our financial planning, Social Security planning, investment management and annual tax preparation services. It also includes on-going consultation to address any new issues that may arise. This fee is fixed for up to two years and is based on your net worth as follows:

Total Net Worth* Quarterly Fee Annual Fee
Under $1.5M $1,500 $6,000
$1.5M to $2.0M $2,000 $8,000
$2.0M to $2.5M $2,250 $9,000

 

The annual fee for clients whose net worth is $2.5M or greater begins at $10,000. Please refer to our Firm Brochure for more details.

We believe that our fee is reasonable, simple, and transparent and reflects the comprehensive nature of the services we offer. And by making our fee fixed you will not experience an increase during the fixed fee period regardless of fluctuations in the financial markets.

The fee for our Social Security Planning Review is $250. This is a standalone service. The fee for this service will be credited against the intial year annual fee for on-going clients if a Social Security Planning Review client becomes an on-going client within 30 days.

*Net Worth includes assets over which client has control, such as investment accounts, 401(k)s, 403(b)s, vested stock options, vested restricted stock, vested restricted stock units, savings and checking accounts, cash value of life insurance, etc. Net Worth also includes home equity, commercial and/or rental real estate, and ownership interest in closely held business.