Comprehensive Financial Planning

Watch: How certain is your Financial Future?

Is your life different than it was 5 years ago, or even 1 year ago? Have your priorities changed? For most of us, change is a certainty.

Our financial strategy must adapt to meet our needs. For this reason, we believe in the importance of having an ongoing relationship with a strategic partner to advise on financial planning matters and investment management.

Our Wealth and Legacy plans are our most popular service. They are designed for clients who want a long term strategic partner to advise on their financial matters. You will receive a complete financial plan, 24/7 access to our robust online planning & organization system, annual strategic planning meetings and more. 

Financial Planning Process

Wealth Plan

The Wealth Plan is ideal for clients who desire to develop a strategic savings and investment plan to help them reach or maintain their desired lifestyle. Your plan includes a detailed review of your current financial situation, risks, and opportunities to better align your finances with your specific goals.

Utilizing our robust 24/7 technology, we provide you with the following:

  • Savings and investment strategy
  • Riskalyze Assessment
  • Dynamic net worth statement
  • Income report
  • Budgeting tool
  • Tax projections
  • Debt pay down analysis
  • Retirement income projections (including Social Security Analysis)
  • College savings projections for your children or grandchildren
  • Annual strategic review
  • Annual Wealth Plan update
  • Proactive Meetings

What is the monthly fee?

Our Wealth and Legacy plans are designed for clients who seek a long-term strategic partner to advise on their financial matters. By utilizing an ongoing monthly fee, you are provided with an ongoing consulting relationship with a Certified Financial Planner. The monthly fee provides you with continuous, updated access to your financial picture. You receive a complete financial plan, assistance and accountability in implementing your plan, unlimited access to your advisor, optional quarterly meetings, complimentary financial plan updates, and more.  We believe in the importance of having an ongoing relationship as your strategic partner. The monthly fee provides you with continuous access to your financial strategy.

Technology & Apps

We leverage technology and cloud services to provide a modern wealth management experience. All clients receive our App and 24/7 access to our robust online planning and organization system powered by RightCapital.

During client onboarding you will receive your login information and direct links to the website and App available on the Apple AppStore and Google Play Store.

Investment Advisory Services

Do you know how much risk is in your portfolio? The Risk Number helps us ensure that your portfolio aligns with your investment goals and expectations.

Before recommending investments, we take the time to get to know you. We
assess your risk tolerance and determine your Risk Number. Your number, combined with other information, helps to guide conversations about your investment strategy.

After pinpointing your Risk Number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your strategy. Disclosure: All investing involves risk, including possible loss of principal. See our full disclosures here.

Our professional portfolio management leverages principles including modern portfolio theory, risk/return evaluation, and capital market views to deliver your wealth management solution. Fees for investment advisory services are based on the market value of your portfolio and are paid in arrears on a quarterly basis from your investment account.

One Time Consulting Services

For times when you want to consult an independent financial advisor, we offer a selection of services to meet your needs.

One Time Financial Plan

For those who are looking for a one time financial plan. We will develop a comprehensive financial plan and deliver planning recommendations to you. One Time Financial Planning Services involves the gathering of personal and financial data, establishing your objectives, and providing recommendations. Typically, we focus on the following areas of analysis, customized to meet your priorities: net worth, cash flow, insurance, employee benefit, retirement planning, insurance, investments, college planning and estate planning.

Once the your information is reviewed, your plan will be built and analyzed. Then the findings, analysis and potential changes to your current situation will be reviewed with you. Clients will receive a report, providing you with a detailed financial plan designed to achieve your stated financial goals and objectives. This service does not include ongoing monitoring or ongoing planning services. Pricing for One Time Planning Services starts as low as $3,000.

Surviving Spouse Services

After the loss of your loved one, there are many urgent financial matters to address during a difficult time. This service is for surviving spouses who wish to retain a professional to help them prioritize and navigate the financial complexities after the loss of a loved one. Through our established process, we work with you and your legal and tax professionals to orchestrate the moving pieces that are needed, including financial organization meetings, customized next steps checklist, decision prioritization and more. Frequent phone calls and meetings ensure all matters are addressed. Typically we are hired between 1-6 months after a loss. 

We offer a 90 day engagement priced at $3,750  which includes: 

  • After Your Loss Financial Checklist 
  • In-home Organization Meetings (Available for Sarasota residents) 
  • Meetings & Teleconferences with your Attorney or Tax Professional (if desired) 
  • Customized Next Steps Checklist 
  • Weekly Phone Calls 
  • Income Projection and Sources Report 
  • Initial Balance Sheet Report 
  • Evaluation of Investments & Recommendations 

After our 90 day engagement, you may desire to retain us for additional services such as investment management or ongoing financial planning, although this is neither expected nor required. You do not need to move your investments as part of this service. We do not offer tax or legal advice. We will work in close communication with your tax and legal professionals if desired.