The Many Important Financial Steps in Transitioning to Retirement – A Recent Client Case

Retirement is a monumental milestone—one that comes with both excitement and critical financial decisions. At our firm, we frequently assist clients with the many action items involved in transitioning to retirement. These decisions often touch on taxes, investments, insurance, risk management, and estate planning. Our client work highlights the importance of knowing how to navigate […]

The Power of 10

Wendy is always excited about Halloween and particularly loves having Trick or Treaters come to our house. In her bid to beat the rush, she purchased a bunch of candy about a week in advance not realizing that I would eat most of it in the ensuing days. On the day of Halloween, she was […]

The Halloween Plan

Wendy is always excited about Halloween and particularly loves having Trick or Treaters come to our house. In her bid to beat the rush, she purchased a bunch of candy about a week in advance not realizing that I would eat most of it in the ensuing days.   On the day of Halloween, she […]

Running Out of Options

Wendy and I were taking a trip to Alma, a small town in South Georgia, to visit her aunt. The driving time was over 5 hours, and we needed to leave on a Friday evening. We therefore agreed to stay at a hotel along the way to avoid driving through the night. I wanted to […]

Cabin in the Woods – Know What You’re Getting Into

Wendy and I were starting our vacation at a friend’s cabin in the mountains of Blue Ridge Georgia. The roads through the mountains were windy and very narrow, so we wanted to get there well before sunset. While driving on a dirt road, we saw a marker with the cabin’s address pointing to the right. […]

The Wardrobe Malfunction

Wendy will correctly tell me that one of my biggest weaknesses is standard household chores. As such, she tries to make them as easy as possible for me, but she has learned that this is not a guarantee of successful execution. A past example happened when her dad was visiting us. Wendy wasn’t home at […]

The Value of 100,000

Wendy and I were on a trip to visit a client family reunion in South Georgia. Since there was going to be a lot of driving, we agreed to spend the night in Macon and make it a short weekend trip. As we were on the highway, I heard Wendy gasp. When she got my […]

A Financial Advisor vs an Investment Advisor

I often hear from folks that financial advisors are a commodity. They say you will get the same set of services no matter who you use.   Nothing could be further from the truth. There are very few industries where there is a larger difference amongst providers in the number and types of service offered […]

My First Golf Outing

A little over a month ago, I went on vacation with Wendy and two good friends. We had a great time! It is always good to unwind with folks you enjoy spending time with.   As part of this, I was asked to join my friends at a golf outing. It was my very first […]

Hourly Consulting

Hourly consulting is available for specific issues – $400.00 per hour. This is appropriate for guidance with regard to one particular element or question regarding estate planning or investing.

Retirement Plan Consulting is also available on an hourly fee basis.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Comprehensive Financial Planning

Pricing Starting At: Singles $3500* | Couples $5000* | Business Owners $6500*

Financial Consulting includes the following services:

  • 12 months of access to our team
  • Comprehensive Data Gathering
  • 2-3* Scheduled Formal Meetings During the Year
  • Review of your financial situation – goals, objectives, risk tolerance, risk capacity, time horizon, and restrictions
  • Planning for Peace of Mind
  • Financial Organization and Household Balance Sheet
  • Cash Flow Planning
  • Trust & Estate Planning
  • Tax Planning and Tax Return Review
  • Stock Option/Restricted Stock Planning
  • Charitable Giving Planning
  • Insurance Planning
  • Retirement Income Planning
  • Social Security Planning
  • Employer Sponsored Retirement Plan Recommendations
  • Basic Asset Allocation Recommendation
  • Business Planning
  • Education Planning

*Depending on complexity

**Client administers investment changes

Financial Planning and Wealth Management

Comprehensive Financial Planning included with managed assets above 750k. Financial Planning is an additional cost if less than 750k.

The following cost schedule applies for personalized financial planning services & wealth management relationships:

Aggregate Market Value Investment Management Costs
$3,000,000 + .70% Annually
$2,000,000 to $3,000,000 .80% Annually
$1,000,000 to $2,000,000 .90% Annually
$750,000 to $1,000,000 1% Annually*
$500,000 to $750,000 1.25% Annually*

Annual costs include the following services:

  • Review of financial situation – goals, objectives, risk tolerance, time horizon, and restrictions
  • Planning for Peace of Mind and Future Goals
  • Financial Organization and Household Balance Sheet
  • Cash Flow Planning
  • Trust & Estate Planning
  • Intergenerational Wealth Planning
  • Tax Planning
  • Stock Option/Restricted Stock Planning
  • Charitable Giving Planning
  • Insurance Planning
  • Retirement Income Planning
  • Social Security Planning
  • Investment Optimization and Ongoing Monitoring
  • Defined Contribution Asset Allocation (401(k) or Retirement Plan) – Current Employment
  • Education Planning
  • Business Planning
  • Monthly Statements and Quarterly Performance Statements
  • Online Access to Your Portfolio

*Client pays all trading costs on accounts.