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 […]

An Opportunity to Protect Against Inflation and Our Fifth Client Story

In advance of our fifth client story, I wanted to respond to one of the most common investment concerns I’ve heard. How can someone structure their portfolio to at least keep up with inflation? Challenging investment environments like this one will always create opportunities. In this case, one of these opportunities can be for conservative […]

Don’t Let Adversity Mask Opportunity and Our Fourth Client Story

In advance of our fourth client story, I wanted to comment about the current investment climate. This has undoubtedly been a very difficult environment for everyone. Having a more conservative allocation than the stock market and having a well-diversified portfolio has helped a lot. However, neither strategy has prevented portfolio declines. Most asset classes have […]

Woodstock Advisor Helps Set & Maintain Financial Strategies

Financial planner Gary Alpert has made Woodstock home for him, his wife Wendy Helen and their pups, Chloe and Skeeter. “I am a member of the Woodstock Rotary Club and really enjoy giving back to the community,” Gary said. “Wendy Helen and I enjoy supporting various local charities and participating in the business community. We […]

A Change in Our Brand and Planning in Early Phases of Retirement

In advance of our second client story, I wanted to announce a small change to our brand.   In addition to the great ideas I get from our fantastic team, I get several from my wonderful wife. Wendy Helen indicated that she liked the name Gary Alpert & Associates, but that the name made it […]

Client Stories – Examples of How We Can Help

I like to share brief descriptions of ways in which we have helped individuals and families make great financial decisions. You may be in touch with others that face similar situations.   Our motto is “we can help you with that.” We will collaborate with you on any financial decision you make, engaging other subject […]

Lessons Learned From the First Female Thunderbird Pilot

Recently, I attended a continuing education conference in Nashville. The keynote speaker was Nicole Malachowski, a retired US Air Force officer and the first ever female pilot to fly as part of the Air Force Thunderbirds squadron.   I love gutsy people!   Beyond opening the door of opportunity for women to fly for elite […]

Dealing with Known Unknowns

I don’t think anybody would have guessed a few months ago that we would be witnessing such a tragic sequence of world events. These events will cause a range of emotions along with concerns about how our long-term financial well-being will be impacted.   There is no financial plan that is bullet-proof, but there is […]

The Danger of Chasing the Holy Grail

During a period when most investments have lost value, it is common for investors to seek out the few assets that are performing well and then gravitate their portfolio towards these.   I think this is particularly the case in an inflationary environment where any negative performance feels particularly painful.   When your portfolio is […]

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.