We are a team of experienced certified financial planning professionals, Certified Public Accountants, and other dedicated professionals, all committed to serving the financial interests of our clients.
We are financial educators, who take the complexity and confusion out of the information overload our clients receive almost daily, concerning what to buy, what to sell, what’s hot, what’s not.
We are sculptors of our client’s financial life. We take fragmented pieces of their financial picture and mold them into a cohesive work.
Our responsibility is to work with our clients to determine their investment objectives and investor risk profile and design a written investment policy statement. We use investment analysis and portfolio allocation software to evaluate alternative portfolio designs and assist our clients in selecting the investment strategies that are most consistent with their investment policy. We evaluate our client's existing investments with respect to their investment policy and individual performance. We then work with our clients to develop a transition plan in order to move from their existing asset allocation to a desired asset allocation that will accomplish their objectives. And finally we will produce quarterly reports that monitor the performance of the assets, the individual managers, as well as the asset allocation strategy and will hold regular review meetings with our clients in order to suggest appropriate changes.
By working with us our clients should improve the consistency of performance and lower the level of risk to meet their objectives, while providing a higher potential return.
All accounts of a family are aggregated for fee purposes. This will include: individual accounts, IRA accounts, personal trust accounts, etc. All fees will be billed quarterly in advance and are subject to a thirty day cancellation policy. Our fees do not include any additional internal mutual fund expenses or private money manager fees, if applicable.
Our annual fees range from 0.5% to 1.5% of assets under management and are based on a combination of size, type, quality, and complexity of those assets, as well as the expected amount of time involved with counseling the client. Our minimum annual fee is $2,500, and is tax-deductible.
Financial Planning fees will be based on each engagement and will be billed on a project or hourly basis.