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What’s included?

 

Ongoing Consulting

You are busy, and financial issues come up all the time. You may not have the time, interest, or detailed knowledge to address them to your satisfaction. We are here to help you think these issues through. You also have to deal with people who influence your finances – attorneys, insurance brokers, banks, etc. We can help you make the best use of your time with them.

Retirement Income Planning & Management

As you approach retirement, we’ll work with you as you decide for how much of your retirement income target you want minimal risk, and for how much you are willing to accept more risk in the hope of higher return. Then, we’ll advise on how to modify your investment portfolio to prepare it for the transition from asset accumulation to retirement.

Annual Progress Review

Every year, we will assess your progress relative to your Integrated Financial Plan. We’ll check on whether your savings are growing as the plan projects, and whether you are spending too much or you could actually afford to spend more. We’ll monitor your progress on your key action items, and help you address any that have slipped.

Portfolio Management

See Portfolio Management for details

 

What will this cost me?



Integrated Financial Advisory Fee Structure

AssetsQuarterlyAnnual Total
Under $500,000$1,675$6,700

Assets

For Each

Additional Fee

FromToAdditionalQuarterlyPer Year
$500,000$4,000,000$250,000$250$1000
$4,000,000Above$1,000,000$250$1000

Annual fees for our Integrated Financial Advisory Service are frequently less than the 1% of assets charged by many advisors for portfolio management alone.

Integrated Financial Advisory Fee Structure (Detailed)

Less thanAnnual CostBPS*
$500,000$6,700N/A
750,0007,700103
1,000,0008,70087
1,250,0009,70078
1,500,00010,70071
1,750,00011,70067
2,000,00012,70064
2,500,00014,70059
3,000,00016,70056
3,500,00018,70053
4,000,00020,70052
5,000,00021,70043
6,000,00022,70038
*BPS are basis points. 1 basis point is 1 hundredth of a percent - .01%. 100 basis points is one percent.