Services

I provide three levels of service to individuals and families described below:

Level 1: Complimentary Portfolio Review (Fees: None)

Level 2: Financial Projections (Fees: $2,000+)

Level 3: Full-Service Investment Management and Financial Planning (Fees: Tiered Schedule)


Level 1: Complimentary Portfolio Review (Fees: None)

This free review is offered to prospects who are considering hiring me or simply want a second opinion on their current portfolio.

The review provides an analysis of current allocation, investments, risks, and total expenses along with general suggestions.

There is no obligation for this review. All that is required to get started are recent investment account statements (401ks, 403bs, IRAs, Roth IRAs, taxable accounts, etc…).


Level 2: Financial Projections (Fees: $2,000+)

This is a one-time project quoted at a flat fee. Clients who engage me for this project will receive a robust, customized financial plan including multiple scenarios to help you make the most informed financial decisions.

Some of the common questions answered with the aid of a financial plan:

  • Can I retire when I want and maintain my lifestyle (financial independence)? If not, what is a reasonable retirement age or what action can I take now to make it happen?
  • Are there opportunities to reduce my investment, income, and estate taxes to get the most out of my assets?
  • Are there any significant threats to my retirement / financial independence? If so, what are they and how can I mitigate those risks? Some common threats: bad timing of a bear market, lower-than-expected investment returns, significant health care costs, higher-than-expected inflation, premature death, live longer than expected , etc…
  • Is my investment portfolio optimized and appropriate for my financial goals?
  • When should I take social security?
  • What annuity / pension payment option should I select based on my family’s unique circumstances?
  • Can we gift money to kids, grandkids, charities, etc…? If so, what is the most efficient way to facilitate those gifts?
  • Can we travel more? Major purchases? etc…


Level 3: Full-Service Investment Management and Financial Planning (Fees: Tiered Schedule)

This service accounts for the majority of my client relationships. It includes full-service, ongoing portfolio management in addition to the financial planning described above.

It is my view that an investment strategy cannot be identified and implemented until the financial projections are complete because the financial projections necessarily inform that decision. Therefore, financial planning is most often the first step in a new relationship. All major financial decisions then flow from that process.

The financial projections incorporate bear market stress tests, which are critical in shaping the ultimate investment strategy especially for folks within 5 years of retirement or who have already retired within the last 10 years. After all, too much risk within that “critical” period can severely impair a family’s financial independence.

  • Proactive portfolio management with investment decisions informed by market valuations and economic fundamentals.
  • Portfolios include a mix of both active and passive (index) mutual funds and ETFs along with occasional direct investments in individual stocks and bonds.
  • Options strategies when appropriate.
  • Tax efficient portfolio management (tax mitigation strategies and tax-efficient asset location).
  • Access to an award-winning client portal containing daily updates to numerous portfolio metrics.
  • Robust quarterly reporting with quarterly reviews.
  • Communication with and coordination of accountants, estate attorneys and insurance agents.

 

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