Our Programs
We offer exceptional quality and optionality through our distinct wealth management programs for our clients. All programs below commit us to acting as a fiduciary.
Wealth Management Programs
Our top-tier, comprehensive financial planning and investment management program.
Best used for specific "point-in-time" scenarios (i.e. renting vs buying a home).
Goal-based financial planning and model-based investment management.
We employ five steps to a designing comprehensive, turn-key financial plan.
Low-cost, digital strategy for those starting to build wealth through savings and investments.
Complete (minimum investment: $750k)
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Two client onboarding sessions
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Four scheduled advisor calls per year
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One mid-year tracking meeting
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One annual planning meeting
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Customized asset allocation based on goals, preferences, and risk tolerance
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Invitation to webinars/events
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Financial Plan included
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Financial plan integration with your preferred CPA, estate attorney, and other important professionals (optional)
Accumulator (minimum investment: $100k)
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One client onboarding session
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One scheduled advisor call, one scheduled service call per year
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One annual planning meeting
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Goals based financial planning.
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Risk-adjusted model-based portfolios
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Financial plan @ 50% discount
Guided Wealth Portfolios (minimum investment: $5k)
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Automated asset allocation and rebalancing in line with your goals and risk preference
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One scheduled service call per year
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Fully digital solution
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Answer a streamlined questionnaire and open account online in five minutes
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Low minimums
All profits from GWP are donated to 501(c)(3) charities
Guided Wealth Portfolios (GWP) is a centrally managed investment program sponsored by LPL Financial LLC (LPL). GWP generates investment recommendations based upon model portfolios constructed by LPL. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL, LPL is not an affiliates of such advisor. LPL investment advisors are registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC.
All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
An annual small account fee is applied to accounts with less than $10,000 invested.
Hourly Rate
Our hourly rates are best used for "point-in-time" financial planning scenarios. Examples include:
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Should I rent or buy my next house?
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How much should I save for college?
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Am I investing my 401k right? Does my company offer a competitive 401k?
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Should I be making pre-tax or Roth contributions? Or both? And, how much should I contribute?
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Should I consider converting existing IRA funds to a Roth IRA?
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Have I saved enough to retire comfortably?
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How does Medicare work and what do I need to know?
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How can I optimize my social security benefits?
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Insurance risk and needs assessment (life, disability, long-term care, P&C)
Financial Plan
powered by:
We leverage premier financial planning software company, Right Capital, to provide you with proficient and easy-to-understand financial plans. Complete clients receive comprehensive financial planning, ongoing updates/revisions, and monitoring of their plans included in their program costs.
Standalone financial plans are available at a competitive flat rate. Our five-step process for financial plans is achieved over the course of two meetings with you:
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Collection of your pertinent personal information and financial data (meeting #1).
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Conversation to establish your goals, objectives, and preferences (meeting #1).
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Analysis of your financial situation and potential courses of action (My homework).
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Development of your financial planning recommendation (My homework).
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Presentation of your financial planning recommendation (meeting #2).
Final plan includes, but is not limited to: net worth statement, cash flow analysis, risks in current strategy, prioritization and timing of recommended actions, asset allocation, Roth IRA conversion analysis, insurance risk evaluation, and investment guidance.
For standalone financial plans you are expected to carry out the completed financial plan on your own. No implementation guidance or ongoing monitoring is included. You will receive a 100% refund if you decide to enter a Complete program agreement within thirty (30) days of Financial Plan completion.