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How We Can Work Together
Personal Retirement Service Models
Advice-Only Planning
Ideal for:
-Families nearing retirement
-DIY'ers
-Retirees with large taxable accounts
-Retirees under the age 59 1/2
This service is built for people who want guidance on major finaincial planning areas like Taxes, Insruance, Estate & Investments without having to meet asset minimums for traditional asset management firms.
How it works?
1) I build you a complete Financial Plan
2) You implement it
3) I provide guidance to keep you on track
What this includes:
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Retirement planning and income strategy
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Tax-efficient withdrawal and Roth conversion planning
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Investment allocation guidance (you implement)
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Risk management and insurance review
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Estate Planning
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Ongoing decision support as life evolves
Pricing Model:
Monthly Subscription
$375/month Essentials
$499/month Premium
Asset Minimum: none
Full-Service Planning & Investment Management
Ideal For:
-Families nearing retirement
- Delegators
- Retirees who don't like doing finance
This is designed for delegators who rather spend time with their family and then sifting through financial documents and accounts.
How it Works?
1) I build you a Financial Plan & Investment Portfolio
2) I execute the plan for you
3) I provide guidance to keep you on track
What this includes:
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Everything in Advice-Only Planning
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Professional investment management and rebalancing
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Tax-aware portfolio design and implementation
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Coordination with your CPA and estate attorney
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Ongoing monitoring, adjustments, and proactive planning
Pricing Model:
Assets Under Management
0-500k: 1.25%
501k-1.0M 1%
1.01M- 5 M .9%
5m+: .75%
Asset Minimum: 200k
Business Owner Service
Fractional CFO
Ideal For:
-Business owners with stalled businesses
-Business owners with stagnating growth
Most businesses hit a point where they stagnate or hit a rough patch. This service is designed to turn a stalled business into an asset that will look to become an important part of your retirement plan.
I help you build or improve upon your Business Plan and provide Cashflow Projections along with guidance on how to build value within your business.
What this includes:
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Business plan design (revenue model, pricing, cost structure)
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Cash flow Projections
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Negotiate with Lenders
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Owner compensation and tax strategy
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Systems for tracking KPIs and financial performance
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Decision-making framework for growth (hiring, expansion, reinvestment)
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Ongoing accountability and execution support
Pricing Model:
Monthly Subscription + AUM
Monthly Subscription
$375/month Core
$499/month Premium
Assets Under Management
0-500k: 1.25%
501k-1.0M 1%
1.01M- 5 M .9%
5m+: .75%
Asset Minimum: none
Fee-Only & Fiduciary If you have spoken to a financial advisor before there is a strong chance that you have spoken with a Stockbroker and/or insurance representative who receives a hefty commission check for a product they are selling. The fees of commission-based agents and brokers are tied to specific products and transactions. This model misses completely much of what clients need. Although even commission-based agents can serve their clients in unique ways, product commissions seem a backhanded way to acquire comprehensive wealth management.
Fiduciary
No Commissions. No Surrender Fees. Unlike much of the Financial Industry, I do not sell commissioned products. No Surrender Fees Ever.
Transparency
Independently Owned Because I am not tied to any large Bank, Brokerage, Insurance Company I do not answer to anyone but you.