Services & Fees

 

Financial Planning and Investment Management Services 

Annual Retainer

We offer comprehensive financial planning services with investment management on an annual retainer basis.  The minimum first year retainer fee is $2,500.  The annual retainer fee is subjectively determined based on the client’s income, assets, perceived complexity, and other subjective measures.  Retainer fee quotes can be provided after a brief initial consultation, typically over the phone.

The Service Agreement Comparison Chart (at the bottom of this page) provides more details.  

Hourly

In some circumstances, more limited-in-scope financial advice may be offered on an hourly basis.  The minimum hourly rate is $200 per hour and at least 5 hours are typically required to conduct the initial limited-in-scope review and provide the requested guidance.  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, typically over the phone. 

The Service Agreement Comparison Chart (at the bottom of this page) provides more details.  

Contact us to learn more or schedule a free initial consultation.

Comprehensive Financial Planning Services:

  • Investment advice and planning
    • Portfolio analysis
    • Risk assessment
    • Portfolio diversification optimization
    • Investment expense and tax cost optimization
    • Specific recommendations for changes
  • Investment management
    • Trade execution on client’s behalf
    • 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
    • Cost projections
    • College saving strategies
    • Income tax optimization
  • Basic Estate planning
    • 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

AFP Service Agreement Options