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Basic Financial Plan
All planning engagements start with a financial plan that covers the major areas of your financial life: cash flow and saving, risk management (insurance planning), retirement planning, taxes and estate planning. These topics are relevant to all ages and financial situations, and we can help you put them all together into a plan.

Our planning engagement begins with a general discussion of your situation, from which we derive the scope of the engagement and determine the fee. Our financial plans range in price from $500 to $10,000, depending on the complexity of your situation. Once we have agreed on the scope of the project, we gather the data and embark on the analysis. We will present this analysis to you over the course of one or more substantive meetings. The end result of our discussions will be a written plan that you can use as an action guide.

Our plan fee allows for follow-up questions relating to your plan over the next 90 days, and for annual reviews at a price of $100 to $1,000, depending on the complexity of the review. If you should decide to become a retainer client or an investment client within six months of the completion of the plan, we will credit your fee towards the first year cost of our services.


Financial Planning Retainer
If you would benefit from the services of a "financial coach" or a "financial partner" to help you with ongoing questions, we offer our services on a continuous basis for an annual retainer fee. This service includes the initial plan, a full annual review, and whatever communications you require to implement your plan and keep it up to date as your life changes and as investment markets change. In addition to planning services, we will advise on your investments and monitor them over time; however, you will retain the responsibility for implementing the plan and the investment advice.

Our initial retainer fee will be based on your net worth, and annual increases will be negotiated at the beginning of the engagement. Fees will be payable quarterly in advance.


Planning and Investment Management
In addition to ongoing financial planning and investment advice, this service allows you to delegate management of your investments to us. Your accounts will be domiciled at a 3rd party custodian and you will retain ownership of the securities; we do not commingle accounts. We will take on the day-to-day responsibility of allocating your investments, freeing you to pursue the activities you enjoy. This service is valuable both for busy young families and for those whose primary interests and skills lie outside the realm of financial planning and investment management. Fees for this service are a combination of a fixed retainer fee and a percentage of assets under management, and are payable on a quarterly basis directly from your account.