Services & Fees
Fee-Only Financial Planning and Investment Management Services
Annual Retainer Arrangement (aka Flat Fee or Fixed Fee)
We offer comprehensive fee-only financial planning and investment management services on an annual retainer basis that includes both financial planning AND investment management. We provide all services on a fee-only fiduciary basis. The annual retainer fee is subjectively determined based on the client’s income, assets, perceived complexity, and other subjective measures. Retainer fee quotes for the first year can be provided after a brief no-cost, no-pressure initial consultation, either over the phone or in-person.
Note: we typically offer new or existing retainer clients Income Tax Preparation Services (for a separate fee).
Contact us to learn more or schedule a no-cost, no-pressure initial phone consultation.
Hourly Arrangement
In some circumstances, more limited-in-scope financial advice may be recommended and offered on an hourly basis. We provide all services on a fee-only fiduciary basis. The hourly rate is subjectively determined based on perceived complexity and other subjective measures. Hourly fee quotes and estimate of hours required can be provided after a brief initial consultation, either over the phone or in-person.
Note: we may, but don’t typically, offer new or existing hourly clients Income Tax Preparation Services (for a separate fee).
Contact us to learn more or schedule a no-cost, no-pressure initial phone consultation.
Our Fee-Only Financial Planning and Investment Management Services:
- Investment management/advice and planning
- Portfolio management with ongoing periodic reviews and rebalancing
- Trade execution on client’s behalf for authorized accounts
- Employer retirement plan review and recommendations
- Risk tolerance and investment objectives assessment
- Holistic portfolio analysis and diversification optimization
- Investment expense and tax cost optimization
- Access to institutional class mutual funds with lower costs
- Access to Dimensional funds
- Retirement planning
- Income and expense estimates
- Goal-based projections
- Social Security optimization
- Income tax optimization
- Income tax Planning
- Tax return review
- Tax reduction strategies
- Cash flow planning
- Analysis of current cash flow
- Projections of future cash flow
- Debt management
- Debt pay-off strategies
- Mortgage refinance analysis and assistance
- Assistance obtaining competitive financing for large purchases
- Insurance planning
- Home, auto, liability insurance review
- Life, disability, long-term care insurance review
- Specific recommendations for changes to coverage
- Assistance obtaining competitive proposals
- College planning guidance
- Cost projections
- College saving strategies
- Paying for college strategies, student and parent loans
- Income tax optimization
- Basic Estate planning guidance
- Coordination with estate planning attorney
- General review of current documents
- Recommendations for changes
- Estate tax reduction strategies
- Employer benefits analysis
- Insurance benefits
- Pension and retirement savings plans
- Stock options and stock purchase plans
- Client Specific Needs
- Unique financial challenge or decision
AFP Service Agreement Options
