Our Financial Services & Fees

Our Services

Financial Services & Fees

We provide fee-only, fiduciary financial planning and wealth management services for every stage of life.

As a client, you’ll get a financial plan that addresses every major aspect of your financial life and is tailored to your unique goals, needs, and preferences. We’ll address your most pressing needs first, but we’ll eventually cover everything from taxes and investments, to insurance, estate plans, and more with you.

And when (not if) life changes, we’ll work with you to make appropriate adjustments to your plan.

Elements of Your Financial Plan

We serve clients of all ages in different life stages, but the components of your financial plan are based on whether you’re “Near Retirement” or a “Working Professional.”

Near Retirement Services

Whether you’re planning to retire in a few years or recently retired, your plan will include:

Retirement Readiness Roadmap

We’ll determine how much savings you need to retire and a strategy for getting there faster

Retirement income plan

We’ll design a withdrawal strategy that factors in Social Security and pensions

Reducing taxes in retirement

We’ll review Roth conversions, tax loss harvesting, and other tax-reduction tactics for your situation

Investments

We’ll review your portfolio and make recommendations based on your risk tolerance and goals

Health care

We advise on medical and long-term care options, and even help you enroll in marketplace or Medicare plans

Insurance optimization

We’ll review your home, auto, umbrella, disability, and life insurance to ensure your financial assets are adequately protected. We can work with your agent or help you find a provider.

Estate planning

We advise on wills, trusts, POAs, and beneficiaries (with an attorney involved), and we review the tax implications for you and your heirs

Gifting

We’ll identify tax-advantaged options for gifting to loved ones and charities

Concierge services

We answer questions like “should I annuitize my pension or take a one-time lump sum?” “should we take out a loan or pay for a new car in cash?” and more

Working Professional

You may be decades away from retiring, but you know you need a financial plan that addresses:

Savings strategy

The types of accounts you save in and what proportion you contribute to each are just as important as how much you’re saving. We’ll build you a custom savings plan.

Tax planning

We’ll optimize your situation, keep you appraised of key tax law changes, and review a draft of your return before you file

Investments

We’ll analyze your portfolio and recommend optimizations based on your risk tolerance and goals (learn about our investment philosophy below)

Education planning

We’ll create a strategy for paying off student loans and saving for your children’s college education

Employer benefits and job changes

We’ll help you get the most from workplace benefits. If you’re weighing a job or career change, we’ll run the numbers to show the effects on your long-term plan.

Insurance optimization

We’ll review medical, home, auto, umbrella, disability, and life insurance to ensure your financial assets are adequately protected. We can work with your agent or help you find a provider.

Cash flow planning

We can help keep your spending, debt, and saving aligned with your income and financial goals

Estate planning

We advise on wills, trusts, POAs, and beneficiaries (with an attorney involved)

Concierge services

Get answers to questions like “should we refinance this loan?” “what should I do with this inheritance” “should I change my business type to an S Corp?” and more

Our Fees (financial advisors are NOT created equal)

As fee-only advisors, we can only be paid by our clients. In other words, we cannot receive commissions or kickbacks from brokers, banks, or third parties. By eliminating these conflicts of interest, our clients’ best interests are always our number one priority. If there’s ever a potential conflict, we will disclose that so you can make the best decision. The fee you pay to us is based on how you’d like your investment accounts managed:

Financial Planning (1 year) – You’re comfortable managing your accounts and implementing our investment recommendations without help. The annual fee is based on plan complexity, typically $4,800. After the first year, you’ll have the option to extend services at a discounted monthly fee.

Wealth Management (ongoing) – We manage your accounts and take care of all related tasks such as rebalancing, tax loss harvesting, and transfers. The annual fee is split into quarterly amounts and paid from your Charles Schwab accounts.

Managed Accounts TotalAnnual Fee
$0 to $500,0001.00%
$500,001 to $1,000,0000.90%
$1,000,001 to $2,000,0000.80%
$2,000,001 to $5,000,0000.70%
Amounts above $5,000,0000.50%

Our Investment Philosophy

We use a disciplined approach to investing that is based on the principles of Nobel Prize-winning research. We strive to help you maximize your investment returns, while minimizing the ups-and-downs of the market. All of our portfolios are managed on an individual basis suited to your unique goals and values. The major tenets of our philosophy are portfolio construction, diversification, cost minimization, disciplined rebalancing, tax efficiency, and simplicity. These are the areas of investment management that investors have the most control over, yet often they are neglected in favor of chasing hot funds or trying to time the market.

CERTIFIED FINANCIAL PLANNER™ Professionals

A CERTIFIED FINANCIAL PLANNER™ is a practitioner who has met stringent requirements set by the CFP® Board of Standards in education, examination, experience, and ethics. The CFP® mark is the premier designation for financial planners and establishes a baseline of competency for practitioners. Quinn, Jean, and Eric are CFP® professionals, and all other planners are actively pursuing the education, exam, and experience requirements that take years to achieve.

Take the Next Step

Schedule a no-obligation 30-minute meeting. Tell us about your situation, ask questions, and get to know us a bit. There won’t be a sales pitch or any pressure to say yes.

Not ready for a meeting? It’s ok! If you’re nearing retirement, get our free retirement checklist and our summary of key topics to consider in your retirement plan.

Need tips on saving for your kids’ college educations? Get our college planning checklist and visit our blog.

Financial Planning

$9,000.00 / Year

(1 year or ongoing) – We’ll help you with all the financial planning topics above, BUT you’re comfortable managing your accounts and implementing our investment recommendations without help. The annual fee is based on plan complexity, typically $9,000 and is paid monthly. 

Wealth Management

$11,330.00 - $12,875.00 / Year

(ongoing) – This service includes everything we cover with our financial planning service, AND we manage your investment accounts. We take care of all related tasks such as rebalancing, tax loss harvesting, and transfers during the year. The annual fee is split into quarterly amounts and paid from your Charles Schwab accounts.

Our Fees

(financial advisors are NOT created equal)

As fee-only advisors, we can only be paid by our clients. In other words, we cannot receive commissions or kickbacks from brokers, banks, or third parties. By eliminating these conflicts of interest, our clients’ best interests are always our number one priority. If there’s ever a potential conflict, we will disclose that so you can make the best decision. The fee you pay to us is based on how you’d like your investment accounts managed.

View Fees
Our Investment Philosophy

We use a disciplined approach to investing that is based on the principles of Nobel Prize-winning research. We strive to help you maximize your investment returns, while minimizing the ups-and-downs of the market. All of our portfolios are managed on an individual basis suited to your unique goals and values.

The major tenets of our philosophy are portfolio construction, diversification, cost minimization, disciplined rebalancing, tax efficiency, and simplicity. These are the areas of investment management that investors have the most control over, yet often they are neglected in favor of chasing hot funds or trying to time the market.

Portfolio Construction
Diversification
Cost Minimization
Disciplined Rebalancing
Tax Efficiency
Simplicity

Certified Financial Planner™ Professionals

A CERTIFIED FINANCIAL PLANNER™ is a practitioner who has met stringent requirements set by the CFP® Board of Standards in education, examination, experience, and ethics.

The CFP® mark is the premier designation for financial planners and establishes a baseline of competency for practitioners.

Quinn, Jean, and Eric are CFP® professionals, and all other planners are actively pursuing the education, exam, and experience requirements that take years to achieve.

Take the Next Step

Schedule a no-obligation 30-minute meeting

Tell us about your situation, ask questions, and get to know us a bit. There won’t be a sales pitch or any pressure to say yes.

Not ready for a meeting? It’s ok!

If you’re nearing retirement, get our free retirement checklist and our summary of key topics to consider in your retirement plan.

Need tips on saving for your kids' college educations?

Get our college planning checklist and visit our blog.

Let's Get Started

You'll get the most value from financial planning if your specific goals and needs match a firm's philosophy and services. Let's learn more about each other.

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