We provide three types of service with varying pricing structures:

Wealth Management Service:  Ongoing financial guidance and portfolio management services. This Service is priced as a percentage on the value of your investment account(s) that we manage.

Financial Planning Service:  Ongoing financial guidance for clients with little or no investment assets, or financial planning only without investment management. This Service is usually provided on a fixed fee and is priced based on the scope and complexity of each engagement.

Insurance Service:  Evaluate the amounts and types of insurance you need and place policies. We receive compensation from the insurance company we represent when we place a policy.

Wealth Management Service

---

Through our Wealth Management Service, we do much more than just manage your investments. We provide ongoing financial guidance pertaining to substantially all aspects of your financial life with the exception of business exit planning.

Business exit planning service is billed separately under Financial Planning Service.

Wealth Management Service is priced as a percentage on the value of your investment account(s) that we manage. The fee is on a tiered fee schedule and the rate depends on the amount of the asset that we manage for you. For most clients, the rate starts at 1.50% for the first $500,000 and incrementally goes down to 0.75% for value above $5 million.

We assist you with you personal financial management such as:

• Planning for comfortable retirement
• Saving for your children's college
• Managing debts
• Making your money last during retirement
• Transferring your assets to your heirs efficiently in alignment with your values
• Optimizing Social Security and Medicare benefits
• Managing investment portfolios
  

Financial Planning
Service

---

If you are seeking ongoing financial guidance but have little or no investment assets, or you just want standalone financial planning without any investment management, then Financial Planning Service is for you.

Fee for Financial Planning Service is usually on a fixed fee. A typical financial planning engagement is priced between $3,000 and $7,000 per year depending the scope and complexity of the engagement.

If a significant portion of your net worth is made up of your business, the value of your business and monetization of such value is enormously consequential to your ability to meet your goals. We provide business exit planning service to help prepare your business for an eventual sale. Fee for a business exit planning engagement generally starts at $10,000 per year, and may involve additional projects at $300 per hour.

Among other things, Financial Planning Service can help you if you are seeking:

• Ongoing financial guidance if you have little or no investment assets
  
• Strategy to prepare for an eventual sale/transfer of your business
  
• Standalone financial planning without investment management

Insurance
Service

---

For Insurance Service, we receive compensation from the insurance company we represent when we place a policy for you.

Insurance Service involves analyzing your risks relative to your goals, evaluating the types and amounts of insurance you need, and placing policies.

To this end, we analyze the risk of a potential financial ruin from dying too early, inability to work due to illness or injury, and significant erosion of your assets from costs of long-term care.

Additionally, we evaluate the risk of living too long and running out of money during retirement ("longevity risk") and potential solutions to help mitigate such risk.

We are independent and not affiliated with any insurance companies. Accordingly, we select products that are most suitable for your needs among top carriers.

The insurance products that we are licensed to represent are:

• Life insurance
• Disability insurance
• Long-term care insurance
• Annuities