Based on complexity
We NEVER earn commissions or asset-based fees, because we don’t sell products. We earn one fee. The one you pay us.
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?
96% of firms charge asset based fees. Many charge 1% asset-based fees, plus financial planning fees, and tax preparation fees separately.
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.
We make $1MM in income, but I can’t find an advisor to help me because I don’t have enough “assets” to manage. This is crazy. I need help.
When does it usually
make sense to hire us?
We are designed to add the most amount of value when:
$300K or greater for singles, or $500K for couples
$500K or $250K or greater with $50K+ savings per year
Moderate complexity or greater
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.
Established for the complexity of the case, and work required.
A complexity adjustment may be applied to the Base Price for increased on-going situational/technical complexities.
A one-time add-on may be applied for non-ongoing services.
Factors Driving Complexity*
-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
-Number of investment accounts
-Portfolio withdrawals or additions
-Low basis stock or concentrated stock
-Foreign assets or pensions
-Workplace retirement accounts
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
-Client communication frequency, style, and level of detail
-Client engagement in the process, and speed
-Level of risk taken by the firm
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?”