Personal financial management involves comprehensive, ongoing financial planning and guidance, which includes managing your investment portfolios. It's on a tiered schedule as a percentage on the value of the assets we manage. It starts at 1.25% per year for the first $500,000 and goes down to 0.50% for value above $10 million. If the initial value of your investment account is below $250,000, we generally bill an initial planning fee of $3,000.

You want ongoing financial planning and guidance on substantially all aspects of your personal finance.

You want us to manage your investment portfolios on an ongoing basis.

Tiered rates from 1.25% to 0.50% a year based on the value of the assets managed.

If you simply want comprehensive financial planning and guidance without our managing your investment portfolios, we provide standalone financial planning services and help implement your plan. These services are typically on a fixed fee based on the scope and complexity of each project. A typical financial planning engagement is priced between $3,000 and $6,000. Infrequently, we bill some projects at an hourly rate of $300.

You want one-time or as-needed financial planning and guidance on substantially all aspects of your personal finance.

You have no (or limited) investment assets, or you want to manage them yourself.

Generally fixed fee based on the scope and complexity of each project.

Insurance services generally involve needs and risk analysis, product selection, policy design, carrier due diligence, underwriting, tax and legal analysis, and policy issue. Products we work with are life, disability, long-term care insurance and annuities. We are independent and not affiliated with any carriers. We receive commissions from insurance carriers when policies are placed. Receiving commissions creates a conflict of interest.

You want professional and unbiased guidance on the types and amounts of insurance.

You want an independent professional who is unaffiliated with any insurance company. 

Commissions from insurance companies when policies are placed.

schedule a meeting