Simple Pricing

Fee Only Wealth Management For 1%

FEE ONLY FINANCIAL PLANNERS MITIGATE CONFLICTS OF INTEREST

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Any discussion regarding financial planner fees should first start with how they're compensated. We like to use a medical analogy.

 

Your doctor prescribes you medicine. They don't sell it to you. That would be an obvious conflict of interest! So why doesn't the public think twice when "trusted" financial advisors sell products for commissions? Couldn't those commissions represent a similar conflict of interest? We know that the answer is yes. 

 

The majority of financial advisors are not fiduciaries 100% of the time. It's all too common to flip flop between giving advice for a fee and earning commissions. This kind of advisor is referred to as "fee-based". This compensation arrangement creates a potential bias in the advice you receive.

 

We work for our clients, not some brokerage firm or insurance company. Our only compensation comes from client fees. We are fee only financial planners who will never sell you a product, earn a commission, or accept a hidden 12b-1 Mutual Fund Fee. This helps ensure advice is in your best interest, not ours. It's the only way we work with clients.

 

WE CHARGE A 1% FEE FOR WEALTH MANAGEMENT

For clients with a household cumulative investment balance of at least $400,000 invested with us, we manage the portfolio and provide Holistic Financial Planning advice for a 1% annual wealth management fee. The 1% is based on the total investment balance transferred to us.

Not all our clients pay 1%. There is a point when 1% becomes an unreasonably high fee for the scope of work we do. For this reason, clients investing in excess of $1M with us receive a sliding fee schedule to ensure the fees paid don't exceed the value received.

WHAT CLIENTS GET FOR THEIR 1%
WHAT CLIENTS GET FOR THEIR 1%
  • A portfolio built with appropriate accounts designed with your specific risk tolerance & goals, housed at our custodian TD Ameritrade.

  • A full review and understanding of your environmental & social values to match you to a conscious portfolio so you sleep at night.

  • All our portfolios are low carbon, focus on social equality, and do not contain gun stocks. But, should you desire something else, we offer customization such as a fossil fuel free mandate, a women in leadership tilt, or dedicated Impact Investing.

  • Portfolio monitoring: we check for new cash daily and we test for rebalancing and tax loss harvesting opportunities weekly.

  • A financial plan detaling cash flow, goal progress, plan stress testing, retirement savings, Social Security, investment asset allocation, emergency funds, insurance, tax reduction, and estate planning. 

  • Accountability via regular reviews and check in's to ensure you're meeting your financial planning goals.

  • Online access to everything so you can see statements, performance, net worth, a personal budgeting app, financial plan progress, fees, and a summary of every single financial account you own.  

  • Financial counseling to help you stay committed to your portfolio and financial plan when the going gets tough.

(Hover for detail)

 

BUT WHAT IF I DON'T HAVE $400,000 TO INVEST?

No problem. We still want you to own a customized investment portfolio and we still want you to have a financial plan. For clients with less than $400,000 to invest with us, we simply charge stand-alone fees for Sustainable Investing and Financial Planning.

Investments are billed at 0.08% per month (1% annually).

Financial plans start at $2,000, so ask us for a custom quote.