Our Scope of Work

Services

• Annual updates on insurance planning, along with balance sheet and retirement projections as it relates to insurance needs
• Annual review of insurance coverage and coordination with employer benefits
• Review of coverage and employer benefits for any job or life change
• Ongoing insurance servicing needs (beneficiary updates, payment changes, etc.)

Fees

No client paid fees. We are compensated f rom the commissions paid to us by the insurance car r ier .

Services

Risk Management Planning Services plus:

• Construct a comprehensive and coordinated financial plan in partnership with clients that addresses wealth management, tax strategies, insurance planning, education funding, retirement planning, income distribution strategies, and estate planning
• Semi-annual financial plan updates and reviews. Available on an as-needed basis for calls or meetings due to any changes (home purchase, job change) or for questions
• Year End and Tax Year planning reminder emails
• Investment management and implementation, including portfolio construction, asset allocation and location strategies, tax loss harvesting and rebalancing

Fees:

Services:

Construct a comprehensive and coordinated financial plan in partnership with clients that addresses wealth management, tax strategies, insurance planning, education funding, retirement planning, income distribution strategies and estate planning.

Fees:

Percentage of assets under management - refer to appropr iate Fee Disclosure Brochure for details.

Ideal for:

• Engaged Couples
• Newlyweds
• Young Families

$2,400 FLAT FEE

• 90 minute initial planning session to review goals and current situation
• 60 minute educational meeting and analysis of findings based on goals
• 60 minute implementation meeting
• 30 minute final planning session
• ONGOING FINANCIAL PLANNING
• Ideal for:
• Established Couples and Families
• Stock Compensation
• Trust Income
• Busy Professionals
• Retirees
• BUSINESS PLANNING + HIGH NET WORTH INDIVIDUALS
• Ideal for:
• Business Owners
• Top-Level Executives
• $5,000 - $25,000 PER YEAR*
• All ongoing business planning services + Investment Management planning services
  
• Review of 3-5 years prior tax returns for business and personal
• Coordination with your CPA and attorneys to ensure everything is being done and that all of these trusted contacts are working in coordination to ensure you are on the right path
  
• Review of Buy/Sell Agreement
• Estate Tax planning
• Business succession planning
• Health*, investments and insurance for your employees
• Complex stock option and grant planning for executives that make the majority of their income through stock compensation
• Tax Planning in coordination with your CPA
• Introductions to professionals in our network
• Risk Management Analysis
• Company Benefit Coordination
• Investment Allocation Analysis
• Retirement Analysis
• Education Analysis
• Budgeting
• Tax Efficient Planning

Ideal for:

• Established Couples and Families
• Stock Compensation
• Trust Income
• Busy Professionals
• Retirees

$3,000 - $6,000 PER YEAR

• Stock compensation planning
• Investment planning and coordination
• Tax Bracket Planning
• Retirement accumulation and distribution strategies
• Tax Loss Harvesting
• Get organized long-term plan in place
• Keep savings on track
• Tax, insurance, and estate planning
• Coordination with your CPA, Attorney, and HR rep
• Ongoing help with financial decisions as they come up
• Unlimited meetings for education, budget reviews, and "no-decision" money discussions
• Typical meeting frequency: 3-6x per year + email coordination

Ideal for:

• Business Owners
• Top-Level Executives

$5,000 - $25,000 PER YEAR*

All ongoing business planning services + Investment Management planning services

• Review of 3-5 years prior tax returns for business and personal
• Coordination with your CPA and attorneys to ensure everything is being done and that all of these trusted contacts are working in coordination to ensure you are on the right path
  
• Review of Buy/Sell Agreement
• Estate Tax planning
• Business succession planning
• Health*, investments and insurance for your employees
• Complex stock option and grant planning for executives that make the majority of their income through stock compensation
• Tax Planning in coordination with your CPA
• Introductions to professionals in our network

JANUARY - APRIL

• Investment Review & Planning
• Cash Flow Planning
• Review Taxes
• Tax Loss Harvesting

MAY - SEPTEMBER

• Tax Efficient Planning
• Insurance Planning
• Estate Planning
• Tax Loss Harvesting

OCTOBER - DECEMBER

• End of the Year Planning
• Benefits Review & Open Enrollment Elections
• Gifting Strategies
• Investment Performance Reports