Services and Pricing

“Before anything else, preparation is the key to success”

— Alexander Graham Bell

What Services Do We Offer?

We serve as your personal Chief Financial Officer (CFO), providing you with expertise and guidance for all your financial needs.

Our comprehensive suite of services includes tax-sensitive comprehensive financial planning, customized investment management, tax advice, insurance knowledge, philanthropic gifting, estate planning recommendations, college planning, and more, designed specifically to align with your individual goals and values.

To gain additional insights into some of the financial strategies we review, explore the "What Ongoing Services Do We Provide” section below.

What is your Financial Planning Process?

Our ongoing service offering begins with the creation of a comprehensive financial plan, serving as the roadmap for effective retirement planning, investment management, and strategic tax planning. Utilizing advanced financial planning and tax software, we meticulously stress test your financial and retirement goals to help ensure you achieve or maintain financial security.

To ensure implementation, we conduct at least two official meetings per year, during which we update your financial plan which entails reviewing your retirement projection, thorough portfolio review, cash flow needs assessment, tax planning advice, etc. However, we are always available to provide guidance on financial decisions that arise. In fact, we enjoy discussing financial topics and the stock market, so don’t hesitate to reach out via phone or email.

For a more detailed understanding of our process, please refer to the "7-Step Financial Planning Process" below.

How do you manage investments?

Our ongoing service offering includes tax-optimized investment management and rebalancing services, with client’s assets held with Charles Schwab a trusted independent third party.

To effectively implement your portfolio, we conduct a thorough assessment of factors such as your goals, values, risk tolerance, time horizon, risk capacity, and retirement projection.

Our investment philosophy is based on historical research and some of the principals that drive our investment strategy include:

• Long-term Investors: Research shows market timing isn’t a viable strategy, so we are long-term investors who invest over decades which has historically lowered stock market volatility, outpaced inflation, and avoided the day-to-day media noise.

• Diversification: We believe in the power of diversification across various asset classes, as it offers one of the most significant advantages in investing—reducing portfolio risk by incorporating assets with different return characteristics.

  To achieve diversification, we construct portfolios using a range of funds including large U.S. companies, mid-size U.S. companies, small U.S. companies, developed international markets, emerging markets, real estate, and various fixed-income investments.

• Tax-aware: Lowering taxes through strategic asset location (e.g., taxable, tax-free, tax-deferred accounts) enhances investment returns, allowing you to keep more of your earnings and compound more wealth over time.

• Low-cost Investing: When it comes to selecting asset classes and investment managers, we prioritize maintaining low investing expenses. However, in less efficient markets and overvalued asset classes, we may consider investing in active managers with a proven track record across market cycles, or managers who specialize in reducing volatility.

• Rebalancing: To ensure your portfolio maintains its desired risk level, we actively rebalance your investments back to their target allocation when asset classes drift because of recent gains or losses.

What is the next step?

The next step is to click here to book a complimentary call, where we’ll determine if we’re a great mutual fit to accomplish your goals. Bring your questions and curiosity - no need to bring any documents. We look forward to getting to know you and guiding you towards financial success!