facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause


Financial Planning

Financial planning is a study of what you want, what you have, and what you need.  Most people benefit from having an unbiased outsider provide an analysis.  Our conversation will start with identifying your financial goals and your life goals.   

Next, we'll work together on the discovery phase.  This is where we collect the information about your budget, assets and liabilities, legal documents, insurance policies, etc. 

The discovery phase helps to uncover what might be missing from your plan with special attention paid to the following: 

  • Liquidity Needs
  • Long-Term Disability
  • Loss of Life
  • Long-Term Care
  • Longevity
  • Legal, Liability & Legacies

Ultimately, we will work to uncover what you need to make your goals a reality.  That's where the financial plan comes together, followed by monitoring it as time goes on and possible changes occur in your life that impact the plan.   

What You Pay

When doing stand-alone financial plans, the billing rate is $200 per hour.  I make every attempt to minimize the hours without compromising the results.  Your active involvement helps to reduce the hours required by me to complete the plan.  

My clients are NOT required to do a financial plan prior to engaging me as their investment advisor. While I encourage them to do so, not everyone feels having a plan is necessary. 

When engaging me as an investment advisor, the client pays me a fee based on assets under management and disclosed on the firm advisory agreement.  There is a minimum fee of $2500 (not to exceed 2% of assets under management).  I have the discretion of waiving that minimum depending on the circumstances.