Portfolio Management fee is 1.5% annually or lower (depending on assets).
Service Levels can be a combination of assets under management and annual retainer fees.
Level 1
$300k minimum investment or $4,500 annual retainer
Portfolio assistance and basic budgeting
- Risk analysis on historical volatility and max drawdown. Employer plan investment selection.
- Cost assessment (internal expense ratios etc.).
- Tax efficiency on non-qualified accounts.
- Asset allocation optimization.
- Establish an emergency account.
- Big purchase planning.
- General Goal Based Planning
- General estate planning.
- General college planning and asset allocation.
Level 2
$500k minimum investment or $7,500 annual retainer
Level 1 Services Included
Portfolio assistance and basic budgeting
- Risk analysis on historical volatility and max drawdown. Employer plan investment selection.
- Cost assessment (internal expense ratios etc.).
- Tax efficiency on non-qualified accounts.
- Asset allocation optimization.
- Establish an emergency account.
- Big purchase planning.
- General Goal Based Planning
- General estate planning.
- General college planning and asset allocation.
Tax and advanced financial planning
- Comprehensive Financial Planning
- Tax-loss harvesting identification on accounts.
- Employee wage withholding and estimated payment Pro-forma. Employer plans comparison (traditional vs. Roth 401k).
- Roth conversion analysis.
- Retirement account eligibility analysis.
- Tax-efficient charitable contribution assistance.
- 1 Rental property ($2k per additional property).
- Debt consolidation.
- Mortgage repayment and refinancing assessment.
- Insurance assessment (life, disability and long-term care)
Level 3
$750k + investment or $10,500 annual retainer
Level 1 Services Included
Portfolio assistance and basic budgeting
- Risk analysis on historical volatility and max drawdown. Employer plan investment selection.
- Cost assessment (internal expense ratios etc.).
- Tax efficiency on non-qualified accounts.
- Asset allocation optimization.
- Establish an emergency account.
- Big purchase planning.
- General estate planning.
- General college planning and asset allocation.
Level 2 Services Included
Tax and advanced financial planning
- Comprehensive Financial Planning
- Tax-loss harvesting identification on accounts.
- Employee wage withholding and estimated payment Pro-forma. Employer plans comparison (traditional vs. Roth 401k).
- Roth conversion analysis.
- Retirement account eligibility analysis.
- Tax-efficient charitable contribution assistance.
- 1 Rental property ($2k per additional property).
- Debt consolidation.
- Mortgage repayment and refinancing assessment.
- Insurance assessment (life, disability and long-term care)
Executive compensation tax and financial planning guidance
- Employee stock option (ESO).
- Restricted stock units (RSU).
- Deferred compensation.
- Employer equity purchase and divesting.
- Estate review and tax planning.
- Buy/sell tax planning.
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