I provide individualized financial advice to clients at all stages of life:
Young individuals and couples ready to start the financial planning and / or investment process
Busy individuals and families balancing family, college savings, retirement planning and potentially aging parents
People within 10 to 15 years of retirement that need detailed projections - tax planning - and holistic integration of their finances
Holistic Wealth Planning
What you can expect:
- Investment management
- Unlimited on-demand advice
- Monthly & Quarterly check-ins
- Periodic plan review & planning opportunities
- Periodic accountability for action items
- College savings
- Retirement planning - detailed projections
- Income distribution strategies
- Tax planning
- Estate & Insurance planning
- Monitor and plan for life transitions
Most suitable for:
Individuals/couples over age 50 and/or with more complex financial situations
Your Investment:
- Starting at $4,800/year
- Schedule time to discuss your unique situation
Financial Fundamentals
What you can expect:
- Investment management (optional)
- Unlimited on-demand advice
- Quarterly check-ins
- Periodic plan review
- Budget coaching
- Debt management
- College savings
- Retirement planning (30K ft view)
- Tax review
- Estate & Insurance review
Most suitable for:
Individuals/couples under age 50 and/or with more complex financial situations
Your Investment:
- Starting at $1,800/year plus a 1-time fee of $300
- Schedule time to discuss your unique situation
Investment Management
What you can expect:
- Personalized investment strategy
- Portfolio construction, investment selection and execution of trades
- Portfolio review and recommendations
- Risk-based investment planning
- Periodic reporting
- Re-balance the portfolio when appropriate
- On going market guidance
- Tax loss harvesting (where applicable)
Most suitable for:
Individuals/couples looking to delegate the investment management process.
Your Investment:
- Starting at 1% of assets under management
- Schedule time to discuss your unique situation
I also offer project based Financial Planning services for the do-it-yourself investor looking for a second opinion or one time service.
How I can help:
There are several areas that I can help families and individuals when it comes to Financial Planning and Wealth Management.
1. Solid investment performance. While I cannot control the actual return you achieve on your investments my philosophy is to invest in vehicles that I know and understand and that will allow you to sleep comfortably at night. I look to diversify your investments, achieve a targeted growth rate while maintaining quality of life.
2. Control and Simplicity. My goal is to simplify your investments and personal finances and take over the burden of the daily management of those investments so that you have more control over that aspect of life and have more time with the people and relationships that truly matter the most to you.
3. Appropriate products and strategies. I help you choose the right investments and strategies (along with your other Advisors) that match your volatility (risk) tolerance and your unique situation and as a fee only Advisor I do not receive any commission from the sale of any individual product. I recommend what is in YOUR best interests.
4. Help in planning or maintaining a secure retirement. While you’re at soccer practice and having birthday parties or traveling the world you also have the peace of mind knowing that someone is looking out for your retirement and making sure you’re on track.
5. Helping you avoid mistakes. There is often a big difference between investment performance and investor performance. Many investors lose money because they invest at the peak and pull their money out in the troughs. I will act as your guide. A professional that you can call and talk to before making a decision.
Whether you’re looking for one time advice, someone to manage your investments, or you want holistic wealth management, I can help.