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Our Process & Fees

Financial Planning Process

The context of planning can easily change and financial options can be complex. Formal plans, structure, diagnose, analyze and recommend can make a client and advisor feel comfortable, but in the end, the delivery of a 20-page financial plan may not be helpful. I have found that a strong relationship between the client and advisor facilitates collaborative decision making often results in fast real help. Planning often takes the form of adaptive moves. Adaptive as there is often no single problem; Moves, because there is often no quick fix or master plan solution. Rather there is ongoing integration between the client and advisor leading to a series of adaptive moves.

What do you have?

A one page individual or household financial map
With the use of our technology, we gather information about your income and sources, assets, debt, financial accounts, business interests, insurances, estate plans, and tax filings and provide you with a customized Asset Map.
  • Financial life check-up
  • What financial obligations have we made?
  • Assessment of your relationship with Money
  • Investment risk preference and current investment philosophy and approach
  • Financial awareness and confidence level
see a sample asset map

What do you need?

A Prioritized listing of quantified funding needs
We will perform an assessment of your funding needs - Education, Retirement, Real Estate, Business interests etc. and help you answer crucial financial questions.
  • Do we have sufficient access to capital?
  • CAN WE LIVE ON A FRACTION OF OUR EARNINGS IN RETIREMENT?
  • Does it make sense to self fund?
  • Do we have enough to fund our long-term spending goals?
  • PORTFOLIO MANAGEMENT & DESIGN
  • What is our legacy? - Wills, Trusts, Asset Transfer Concerns, Liability Coverages, Special Needs Dependents

What does it mean?

EACH NEED WITH A FUNDING SOURCE
You will receive a one page summary for each need, with current and future funding options.
  • Solution and funding scenarios - key assumption determination - returns, sequence of returns, risk level, inflation general and specific, taxes, and contribution constraints
  • Prioritization of needs and trade-offs
  • Key milestones for plan validation and reassessment as a result of actual results

How to get it done

an implementation plan.
We work with you to identify and manage your financial picture. With regular meetings and progress reports we enable you to keep on track, always with an eye to the future and proactive solutions.
  • Real-time monitoring and reporting of progress
  • Regular progress meetings and recalibration assessments.
Schedule A Discovery Call
meet your advisor

Our Fees

Investment
Management

RISK ANALYSIS, PORTFOLIO DESIGN AND ONGOING MANAGEMENT

FEE: Up to 1.0% of securities under management (minimum $100,000)

  • Fiduciary Duty
  • Coordination with Attorneys, CPA, Other Professional Advisors
  • Portfolio Analysis and Design
  • Investment Risk Evaluation
  • Investment diversifying
  • PORTFOLIO MANAGEMENT & DESIGN
  • Retirement account analysis and consolidation

Financial
Planning

GOALS PLANNING, ANALYSIS, PLAN DEVELOPMENT AND ONGOING REVIEW

FEE: Commonly $2,500 to $4,500 depending on complexity

  • Fiduciary Duty
  • Coordination with Attorneys, CPA, Other Professional Advisors

Plus

  • General Planning
  • Retirement Planning
  • Goal Funding & Risk Management
  • Debt Management & Tax
  • Other Planning Areas
learn more

Wealth
Management

FINANCIAL PLANNING AND INVESTMENT MANAGEMENT

FEE: Up to 1.0% of Securities under Management (minimum $750,000)

  • Fiduciary Duty
  • Coordination with Attorneys, CPA, Other Professional Advisors
  • Portfolio Analysis and Design
  • Investment Risk Evaluation
  • Investment diversifying
  • PORTFOLIO MANAGEMENT & DESIGN
  • Retirement account analysis and consolidation

Plus

  • General Planning
  • Retirement Planning
  • Goal Funding & Risk Management
  • Debt Management & Tax
  • Other Planning Areas
learn more

  • General Planning

    • A one-page financial picture

    • Planning for financial confidence & peace of mind

    • Financial coaching with jargon-free explanations

    • Realtime Savings and Spending tracking application

     
    • Budget, spending, and cash flow planning

    • Personal encrypted document vault

    • Life event planning

    • Financial guidance for the self-employed

     

  • Retirement Planning

    • Retirement preparation and transition

    • Investing in retirement and withdrawal management

    • Social Security strategies
    • Retirement saving and taxation

    • Legacy and longevity planning

  • Goal Funding & Risk Management

    • Risk management and insurance needs assessment

    • Major expense planning and prioritization

    • Education funding planning
    • Sudden money

    • Caring for elderly parents

  • Debt Management & Tax

    • Optimizing your current and future taxes

    • Debt management and credit score improvement

    • Debt analysis and pay-down strategies
    • Debt analysis reduction/optimization

    • Mortgage review and refinancing

     

  • Other Planning Areas

    • Charitable giving

    • Implementing charitable intentions

    • Estate planning & end of life planning needs

     
    • Preparing for a job transition

    • Business start-up assistance

    • Healthcare Planning

     
THERE'S NO TIME LIKE THE PRESENT

Let's Schedule a Discovery Call

We offer a complimentary "Get Acquainted" meeting to learn more about your financial planning needs and share information on our firm to see if our services are right for you.
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Contact

  • Phone:
    (516) 695-1610
  • E-Mail:
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Clients

CLIENT RELATIONSHIP SUMMARY
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