What does it cost to work with a Financial Advisor?

The costs below are meant to give you a general idea on the costs of working with an advisor. Other costs may apply depending on the services provided. Our goal in providing this information to be as transparent as possible.  If you have questions, feel free to call or email the office.

Our mission is to get to know and understand your needs, wants, and long-term goals. We want to help you develop, implement, and monitor a strategy that’s designed to address your individual situation.

Financial Planning/Consulting Services

  • Retirement Planning
  • Education/College Planning
  • Personal Planning (Major Purchase ie House etc.)
  • Risk Planning
  • Income Planning
  • Insurance and Estate Planning
  • Business Planning
  • Current Plan/Portfolio Review
  • Risk Tolerance Assessment and Review
  • Employer Retirement Plan Review (401k, 403B, SEP, etc.)
  • Investment and Asset Allocation Analysis
  • Financial Coaching
  • Income Tax Strategies
  • Goal Monitoring
  • Financial Advice and Services based on need

Wealth Management Services

  • Access to a wide variety of investment strategies (Mutual Fund, ETF, Individual Stock, Bond, etc)
  • Multiple Investment Firms and Boutique Money Managers
  • Access to Institutional Mutual Fund Shares (Lowest Cost)
  • On-going Portfolio Manager Evaluations
  • Investment Selection and Review
  • Due Diligence Reviews
  • Risk Tolerance Assessment and Recommendations
  • Regularly Scheduled Portfolio Reviews
  • Portfolio Rebalancing
  • Year-End Tax Loss Selling
  • Alignment of Client and Advisor Goals
  • 24/7 Access to your Account Information via our mobile app and website portal
  • Secure Document Storage

Financial Planning/Consulting

Flat Fee - $500 - $3,000 (Approximate Based on Level of Services)

Hourly Consulting - $250 Per Hour

*Planning fees waived once advisory assets reach $250,000

Wealth Management

Based on Portfolio Size

0.5% - 1.5%

Please Note: Other costs may apply depending on the services provided

Advisory and management fees may be tax deductible. Consult with your tax advisor.

Hourly Engagements

In some cases, we may accept a client engagement on an hourly basis. This may be for a “second opinion”, to review an existing plan, or to address a specific issue that does not require a financial plan. We’ve helped track down old life insurance policies, review retirement plans (401k, 403b, etc), consolidate old stock certificates, value and title/retitle/claim old savings bonds, analyze a real estate purchase, and a variety of other services under this arrangement. We accept these engagements on a case by case basis depending on our schedule at the time and whether we think can provide the outcome you are seeking.

Insurance and Annuity Commissions

Based on the financial plan that we build together, we may decide that life insurance, annuity or other product would help pursue a goal (ie, life insurance may help fund a special needs trust or fulfill a legacy wish. An annuity may help provide income, protect assets from Medicaid, provide creditor protection or be an alternative to other investment options).

Commissions vary depending on the product and are paid directly to us from the companies (you do not write a check for them nor will you see them deducted or added on anywhere, they are built into the price of the product). For life insurance, commissions are paid in the first year and range from 50% to 90% of the premium. For example, if your plan recommends that you buy more life insurance and it costs $1000 per year, we would earn around $500 to $900 in the first year and then 2%-3% on average each year after.

For annuities, our typical commissions range from 1.0% to 3% of the deposit. For example, if your plan recommends that you deposit $50,000 into an annuity, we will earn $500 to $1500.

Again, these are paid to us directly from the insurance company and do not reduce your investment.

One of our primary goals is to develop a long-term, trusting relationship with you.

Our Values

Our Values

Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.

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Our Process

Our Process

We create strategies that are tailored to your needs and goals.

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Our History

Our History

Years of experience have prepared us to guide you through your life transitions.

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Our Resources

Our Resources

Want to learn more about retirement, social security, or estate strategies? We have a wealth of resources.

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