Our Services

Core Advisory Service

This service includes:

  • Development of a Financial Goal Plan.
  • Development of an Investment Plan.
  • Ongoing support to the Client for the implementation and maintenance of the Financial Goal Plan and Investment Plan.
  • Reports of investment account balances, performance, holdings, 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.

Development of the Financial Goal Plan includes:

  • Establishing quantified financial goals (e.g. retirement, education, etc.).
  • Assessing the Client’s risk tolerance.
  • Gathering data (e.g. financial account statements, income sources, expenses, tax returns, etc.).
  • Modeling of one or more Financial Goal Plan scenarios based on different assumptions for key plan variables (e.g. planned savings, investment rate of return, retirement age, longevity, inflation, etc.).

Development of the Investment Plan includes:

  • Determining an appropriate overall asset allocation for the Client.
  • Creating an Investment Policy Statement documenting the Client’s investment philosophy, risk tolerance, and target asset allocation.
  • Providing specific investment recommendations for all accounts included in the Investment Portfolio.

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.
  • Retirement accounts including IRAs (e.g. Traditional, Rollover, Roth, SEP, SIMPLE, and Inherited), defined contribution retirement plans (e.g. 401k, individual 401k, 403b, 457, 401a), and 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 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 minimum term of agreement for the Core 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 by Core Advisory Service Clients will be added to the Client’s next quarterly invoice.
  • $300/hour for Clients not engaged under our Core Advisory Service. Fees will be invoiced to Client as time is incurred.


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.
  • 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.