Financial life management involves ongoing financial guidance on substantially all aspects of your financial life, a "full service" offering. Fee for this service is priced as a percentage on the value of your investment accounts under our management on a tiered schedule, billed quarterly. The rate generally starts at 1.25% per year for the first $500,000 and incrementally goes down to 0.50% per year for value above $5 million.

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

You want us to manage your investments on an ongoing basis.

Generally between 0.50% and 1.25% per year on the value of investment assets we manage.

If you have little or no investment assets or you simply want financial planning service without our managing your investments, we provide standalone financial planning services (and implementation of such plans) without investment management. These services are usually on a fixed fee based on the scope and complexity of each project. A typical financial planning engagement is priced between $3,000 and $7,000. 

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

You have limited or no investment assets or you want to manage it yourself.

Fixed fee based on the scope and complexity of each project.

Insurance services generally involve analyzing risks, evaluating the types and amounts of insurance you need, conducting carrier due diligence, and placing a policy. 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 to protect your family and/or your business.

You want to work with an independent advisor who works with many top insurance carriers.

Commissions from insurance companies when policies are placed.