Prices

Based on complexity

We NEVER earn commissions or asset-based fees, because we don’t sell products.

We believe selling products AND asset-based fee create a conflict of interest. How is it equitable to charge you more in fees just because your asset balances have increased?

Other firms usually charge 1% asset-based fees, plus financial planning fees, and tax preparation fees separately. Remember that asset-based fees grow as your account grows too. This adds up!

Do the math. It’s not as uncommon as you might think, many potential clients tell us they pay more with other firms, and get less in-depth and personalized planning around what they really need.

I can’t believe another firm quoted me a 1% fee just to ‘manage’ my assets. Just because I have more assets, they shouldn’t charge me more. $50,000 is egregious. No tax planning or prep. No real estate help.

— Potential Client

When does it usually
make sense to hire us?

We are designed to add the most amount of value when:

INCOME

$300K or greater for singles, or $500K for couples

Investable assets

$500K or greater, or $200K with $50K+ savings per year

Taxes

Moderate complexity or greater

Ongoing Planning

Services are billed quarterly with a one-time on-boarding fee, depending on complexity.

These include: complete tax preparation, discretionary investment management, and in-depth financial planning, at no additional charge. 

Base Price

$10k – $30k+

 per year

A minimum price is established for the work required and value created.

Complexity Shifts

$ increase

 per year

A complexity adjustment may be applied to the Base Price for situational/technical complexities.

Discretionary
Investment Management

Complete Tax
Preparation
In-depth
Financial Planning
No Additional
Charge

Factors Driving Complexity*

Financial planning

-Number of years from targeted financial independence
-Rental real estate cashflow, investment and tax analysis
-Multiple workplace benefits reviews, and/or deferred compensation
-Education or gift planning for children or charitable planning
-Business retirement plans
-Cross-border planning

Investments

-Number of investment accounts
-Portfolio withdrawals or additions
-Low basis stock or concentrated stock
-Foreign assets or pensions
-Workplace retirement accounts
-Private investments

Tax planning and preparation

-Restating or amending returns
-Business, K1s, trusts, rentals, self-employment income
-Multi-state, income apportionment
-Married filling separately / divorced
-International compliance: FBAR, Foreign Tax Credit, and PFIC
-Oil and gas: working interest versus royalties
-Equity compensation: ESPP, ISOs, NQSOs, and RSUs
-Cryptocurrency

Additional

-Client communication frequency, style, and level of detail
-Client engagement in the process, and speed
-Level of risk taken by the firm

*This is not meant as an exhaustive list, but a reflection of the common factors of complexity in our client engagements.

One-Time Planning: Fixed Fee Plans

Designed for clients who aren’t ready for on-going services, and offered as our firm has bandwidth.

We offer a conversation around specific planning topics without comprehensive detailed analysis or implementation. Would you like validation or stress testing of current areas within your plan?

For Questions like:

“Should I keep or sell my rental property?”

“How should I prioritize my savings/investment contributions?”

“Is my current portfolio tax-efficient, and is the risk appropriate for my goals?”

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