Services for Individuals & Families
How We Help
Our fee-only wealth management services provide comprehensive guidance across various financial aspects while recognizing the interconnected nature of investments, taxes, retirement, and daily expense management.
CASH FLOW MANAGEMENT
We help to effectively allocate and manage income and expenses to optimize financial stability.
INVESTMENT MANAGEMENT
We construct a tailored investment plan that is aligned with your specific needs and objectives.
RETIREMENT PLANNING
We develop a personalized plan that aims to attain financial independence, striking a harmonious balance between saving for the future and embracing a fulfilling present.
TAX PLANNING
We analyze your tax liabilities and help uncover tax inefficiencies in your assets and income, while ensuring alignment with your investment goals.
RISK MANAGEMENT
We provide you with a comprehensive assessment of your risk management needs, ensuring that your assets are adequately protected.
LEGACY PLANNING
Our legacy planning service aims to ensure that your legacy is protected and thrives for future generations. It covers various aspects such as estate planning, charitable and gift planning that reflect your values and leave a lasting impact.
NEXT GEN PLANNING
With the future in mind, we focus on planning for the entire family. From college planning to strategic asset transfer, we assist individuals and families in safeguarding and expanding their wealth for future generations.
PRE & POST-DIVORCE PLANNING
We offer guidance and strategic support to protect your assets pre-divorce, as well as assist you in establishing a solid financial roadmap for success post-divorce.
Our Process
Our process of working together begins with a strong foundation of getting to know each other. We take the time to understand your current financial situation, define your goals and aspirations, and create a personalized roadmap to help you achieve them. Through regular review, we ensure that your strategies are adapted to both the market conditions and your life circumstances. Throughout our partnership, we will be by your side, guiding you every step of the way.
01
Get to know each other
During the first step of our process, we prioritize understanding you as an individual, your unique financial circumstances, and your aspirations for the future. Through discussing how we work, addressing your financial concerns and determining your goals, we take the necessary steps to get to know each other and establish a solid foundation for our partnership.
02
PROPOSAL
We conduct a thorough review of your portfolio holdings to gain understanding of your current investments. We then engage in a detailed discussion to uncover any preliminary opportunities that may enhance your financial position. Finally, upon agreement, we sign a contract, solidifying our commitment.
03
REVIEW CUSTOM PORTFOLIO
We provide a presentation of your investment policy statement, outlining the investment strategy designed to align with your financial goals. Additionally, we provide updates on account openings and transfer of assets.
04
ONGOING
Our ongoing relationship is characterized by regular review meetings, where we assess and fine-tune your financial strategies to adapt to changing market conditions and personal circumstances. We provide guidance and support during significant life changes and work to deliver a holistic experience to you and your family.
DEVELOP A PLAN THAT MEETS YOU WHERE YOU ARE AND TAKES YOU WHERE YOU WANT TO GO
Our Fees
Through our fee-only structure and fiduciary obligation, we refrain from product sales and accepting commissions, prioritizing our client’s best interests. We derive our revenue solely from our clients, with fees determined by the client’s needs and complexity. As your dedicated partner, our success is wholly tied to your financial achievements. Our fee structure is designed to accommodate the diverse needs of our clients. We offer three fee structures to accommodate your specific service needs and financial goals.
Wealth Management
Our main offering, Wealth Management, encompasses a comprehensive range of services that address various aspects of financial planning. From cash flow and investment management to tax planning, insurance needs, estate planning, and charitable giving strategies, we tailor our approach to each client’s unique circumstances. Typically, our Wealth Management clients are required to have a minimum of $1 million in assets under management.
| Portfolio Value | Annual Fee** |
|---|---|
| First $2 million | 1.00% |
| Next $2 million | 0.85% |
| Next $2 million | 0.65% |
| Next $2 million | 0.50% |
| Additional Assets | 0.35% |
Investment Management
For clients that are only seeking investment management and not comprehensive planning, we offer our Investment Management service. The minimum assets under management is $500,000 and the minimum fee per year is $6,000.
| Portfolio | Annual Fee** |
|---|---|
| First $500,000 | 1.25% |
| Additional Assets over $500,000 | 1.00% |
Financial Planning
For clients who do not have any assets to manage or are not seeking investment management, but desire comprehensive financial planning, we offer a Financial Planning-only option. The yearly fee starts at $6,000 and increases based on complexity. You can also choose to combine financial planning with asset management and become a hybrid client. In such a case, there will be a specific fee associated with both services, which can vary depending on the complexity of your needs.
What is included in each plan
| Wealth Management | Financial Planning | Investment Management | |
|---|---|---|---|
| Cash Flow Management | ✓ | ✓ | ✓ Limited |
| Investment Management | ✓ | ✓ | |
| Retirement Planning | ✓ | ✓ | ✓ Limited |
| Tax Planning | ✓ | ✓ | |
| Risk Management | ✓ | ✓ | |
| Legacy Planning | ✓ | ✓ | ✓ Limited |
| Next Gen Planning | ✓ | ✓ | |
| Pre and Post-Divorce Planning | ✓ | ✓ |
Review our Client Expectations Agreement to see what you can expect from us once retained as well as what we expect from you.
Who we serve
We proudly serve a diverse community of individuals, families, and businesses, guiding them towards financial success and empowering them to live the lives they want.
Women in transition
Business owners
Senior Executives
LEARN MORE ABOUT OUR SERVICES FOR BUSINESSES
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