Comprehensive Financial Planning
We collaborate with you to create a financial plan aligned with your goals and then assist you with the implementation of the plan on an ongoing basis.
Additional Details:
This service includes three upfront meetings with the development of a comprehensive financial plan followed by ongoing support with the implementation of your plan and modifications as needed.
Cost:
Single: $700-$1000 upfront for the first two months followed by an annual fee billed monthly at $150-$200*.
Couples: $1200-$1500 upfront for the first two months followed by an annual fee billed monthly at $200-$300*.
The upfront fee covers client onboarding, data gathering and analysis, and the development of your financial plan. You can choose to make a deposit of $200 followed by the remaining balance due upon delivery of your financial plan, typically at the end of our second month together. The annual ongoing fee is billed monthly starting after the delivery of your financial plan and includes implementing your plan and collaborating regularly to modify it as life changes.
*We offer a generous upfront and monthly cost reduction for young professionals just getting started on their financial journey who choose this option!
*Fees within the range listed above are based on the complexity of your financial situation including but not limited to business owners, number of dependents, complex investment vehicles, timeline to retirement, high-net-worth individuals, and outside-of-the-firm investment management needs.
Ideal For:
The service is perfect if you are looking for an ongoing partnership to assist you with all aspects of your financial situation including debt reduction, investment planning, emergency fund creation, employer benefit maximization, cash flow optimization, retirement planning, insurance analysis, college planning, estate planning, net worth tracking, and travel planning support.
Project-Based Financial
Planning Service
You choose 2 to 4 financial planning topics and get a financial plan with detailed actionable recommendations focused on those topics.
Additional Details:
The service includes three meetings and a detailed plan with recommendations focused on the chosen financial planning topics. This service does not include ongoing implementation support.
Cost:
Single: $1,000-$2,000*
Couples: $2,000-$3,000*
Half is due upfront and the remainder is due upon receipt of your financial project.
*Fees are based on the complexity of your financial situation including but not limited to business owners, number of dependents, complex investment vehicles, timeline to retirement, high-net-worth individuals, and outside-of-the-firm investment management needs.
Ideal For:
This service is great if you have a “do-it-yourself” philosophy and only need support on a limited number of financial planning topics for a short period of time.
Student Loan Analysis Service
We analyze your current loan situation and create a student loan payment plan aligned with your cash flow goals that incorporates programs such as the Public Student Loan Forgiveness (PSLF) program, the Teacher Loan Forgiveness Program, state tax credits, and 529 plans.
Additional Details:
The service includes two meetings where we gather information to analyze your options, and you receive a step-by-step action plan to optimize your student loan strategy. We support you through the execution of your plan and provide follow-up email support as needed during your loan transition.
Cost:
$450
Ideal For:
This service is right for you if you have public student loans and want help deciding and executing the most optimized payment plan options available to you.
Investment Management Services
We create investment portfolios aimed at meeting your short- and long-term objectives. We provide continuous advice regarding the investment of your funds based on your individual needs.
Additional Details:
We facilitate account transfers, complete trades, and periodically rebalance your assets as needed.
We also offer Socially Responsible Investing Portfolios that support climate and social impact.
Fees:
Our fee for this service is 0.85% of Assets Under Management.
We charge no fee for the management of Cash Reserve Accounts.
Ideal For:
This service is right for you if you want to delegate your investment management and use a low-cost, broadly diversified approach built with Vanguard funds. Our preferred custodian is Betterment.
We are on your team. We receive no outside commissions. There are no-load fees. There are no surrender fees. You are never locked into a contract. We do not sell products. We pride ourselves on upfront pricing and transparent fee structures. Only fee-only advisors can make this promise. It is our hope that we generate significant value for you and your family for decades to come.
*Standard fees are listed above. Fees are negotiable. Complex situations including but not limited to business owners, clients nearing retirement, high net worth individuals, and outside-of-the-firm investment management needs may be quoted a fee outside the standard fees listed.
