Our Services

Core Advisory Service

This service includes:

  • Development of an Investment Plan.
  • Ongoing support to the Client for the implementation and maintenance of the Investment Plan.
  • Reports of investment account balances, holdings, performance, portfolio income, and realized gains & losses.  Reporting frequency is quarterly for the first four full calendar quarters of the engagement and then semiannually after that.

The components of the Investment Plan are:

  • Establish quantified financial goals (retirement, education, etc.)
  • Develop an Investment Policy Statement detailing the Client’s investment philosophy, risk tolerance, and target asset allocation.
  • Provide specific investment recommendations for all accounts.

The Core Advisory Service fee consists of two parts:

  1. A flat financial planning fee of $4,000 per year, billed quarterly in advance, for the first four full calendar quarters (and prorated for any partial quarter prior to the first full calendar quarter).  After four full calendar quarters the flat financial planning fee is reduced to $3,000 per year.
  2. A variable investment management fee, billed quarterly in advance, calculated as a percentage of the Investment Portfolio as follows:
    • 0.25% annually on balances up to $5 million, plus
    • 0.15% annually on any additional balances between $5 and $10 million, plus
    • 0.10% annually on any additional balances above $10 million.

The initial Investment Portfolio value is calculated using account values as near to the Client’s start date as possible and then recalculated annually based on year-end account values.  The recalculated variable investment management fee applies for four quarters starting with the next billing after recalculation.

The Investment Portfolio includes:

  • Taxable investment accounts (e.g. individual, joint, trust) excluding: 1. Employer stock plan accounts (e.g. restricted stock, employee stock purchase plan, and stock options), and 2. Accounts holding only money market mutual funds.
  • Individual retirement accounts (IRAs) including Traditional, Rollover, Roth, SEP, SIMPLE, and Inherited.
  • Individual 401k accounts.
  • Employer defined contribution plans (e.g. 401k, 403b, 457, 401a).
  • Employer deferred compensation plans.
  • 529 college savings accounts.
  • Variable annuities.
  • Note: Occasionally specific accounts that would otherwise be included as part of the Investment Portfolio may be excluded upon mutual agreement of the Client and the Advisor.

The minimum term of agreement for the Investment Advisory Service is four full calendar quarters.

Advice on topics outside the scope of the Core Advisory Service is available through the Financial Consulting Service.

Financial Consulting Service

This is an hourly consulting service providing:

  • Advice on specific financial issues and/or,
  • Coaching or validation in addressing a particular financial topic.


The fee for the Financial Consulting Service is:

  • $200/hour for Clients engaged under the Core Advisory Service seeking advice on topics outside the scope of the Core Advisory Service.  Any Financial Consulting Service fees incurred will be added to the Core Advisory Service Client’s next quarterly invoice.
  • $300/hour for Clients not engaged under our Core Advisory Service.


For Financial Consulting Service Clients not engaged under our Core Advisory Service:

  • Advisor will provide advice, coaching, or validation in addressing applicable financial topics based on information provided by Client. Client will use their best efforts to provide information promptly to Advisor to facilitate the engagement. Client acknowledges that when four months have elapsed from the date they sign this agreement, if the information provided is incomplete, Advisor will provide recommendations to the extent information is available and the engagement will be considered complete. At that time, any remaining unpaid fees will be due by the Client.
  • Advisor will not be providing ongoing monitoring of the Client’s personal circumstances, financial objectives, investment portfolio, or plan implementation to make sure the recommendations given at the time of the engagement remain appropriate for the Client.  Clients seeking ongoing monitoring of their personal circumstances, financial objectives, investment portfolio, and/or plan implementation should consider the Core Advisory Service.