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 […]

The Grinch and our Sixth Client Story: Social Security Claiming Strategy

This year, she decided to dress up like an elf while making the deliveries. She then asked me to don a special costume.   As a 48-year-old Jewish guy from Brooklyn, NY, I agreed to wear a onesie Grinch outfit while on our delivery route. I walked in costume throughout our subdivision at constant risk […]

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 […]

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.