Fees & Services
If you have money questions,
chances are we can help.
We offer a wide range of services and expertise to help manage your finances, clarify your goals, and enjoy your wealth.
We believe a financial planner should help you earn more money, reduce unnecessary taxes, and increase your net worth while planning for income today (or tomorrow).
Our holistic approach begins with a review of your income, expenses, assets, and debts. We look for opportunities to improve anywhere, as we build a plan, together, for your future.
Financial Planning and Investment Management should address several subjects including tax planning, investment account selection, investment strategies, reducing fees, budgeting and cash management, estate plans, and more.
Some things we DO:
Tax Reduction
Finance 101:
Getting Organized
Businesses & Non-profit
Retirement Planning
Charitable Giving
Things we DON’T do:
We don’t charge for 529 accounts
We don’t sell variable annuities or whole life insurance, (as those are generally expensive, tax-inefficient and difficult to withdraw from)
We don’t invest your money in anything you can’t pull it back out of
We don’t sell products that have commissions, loads or kickbacks
We don’t charge nickel-and-dime fees for trades, paper statements, annual IRA fees, third-party advisory programs, etc.
We don’t charge additional planning fees if we’re managing your investments
... which means you can rest assured, knowing we’re doing what’s in your best interest.
Your financial future is as unique as you are.
Let’s make a plan together, today.
When it comes to fees, we’re below average.
In this case, that’s a good thing.
There are two main expenses when investing; the investments and the advice. We keep it below average on both.
Markets can be uncertain, but keeping costs low is a certain way to save money.
We partnered with Fidelity Investments and American Funds to hold our client accounts and cut out bogus commissions and obscure account fees.
We believe a low-cost approach can help our clients end up with more in the long run.
Click/tap to enlarge
This hypothetical example shows how our lower costs could help you end up with greater savings in the long run.
This hypothetical example assumes an 8% pretax return on a $100,000 investment, with no additions or withdrawals. This Return is reduced by advisor fees- 0.75% for “Our Costs” and 1% “for Avg Advisor Costs”. The figures all come from a simple Future Value formula in Excel, with results type 1 “beginning of period”.
Rates of return will vary by investor and are not guaranteed. If the rate of return were altered, results would vary from those shown. The different amounts represent both the amount paid in expenses as well as the “opportunity costs”—the amount you lose because the costs you paid are no longer invested. The final balance shown is after costs. This example doesn't represent any particular investment, or investment strategy and doesn't account for inflation. There may be other material differences between investments that must be considered before investing.