PLANNING, NOT PRODUCTS AND PREDICTIONS
We aren't for everyone. If you're just looking for the cheapest firm or just investment management, we're not the best fit for you.
We are not the low-cost provider. To do that, we would have to eliminate many of the services that provide the most value for our clients.
However, if you're looking for a comprehensive, integrated approach to your overall financial situation, let's talk.
1. We visit to see if we may be a good fit for each other.
2. We gather information to prepare our preliminary observations.
3. We talk again to discuss those observations and if and how we can add value.
4. Go sleep on it.
5. If we're right for each other then we start implementing our recommendations and annual service calendar.
6. Regularly review your progress and make necessary adjustments as your needs evolve.
RELATIONSHIP OPTIONS
Our fees are based on your situation, needs, and the services rendered. We have three basic options.
1. Just a Plan.
Think of this as going to an architect with your dreams. We will help you develop a comprehensive plan (blueprints).
You will be responsible for implementing the recommendations…tax, investment, insurance, estate, etc. This engagement typically lasts 3-6 months and does not include ongoing investment management.
For this option we charge a flat fee.
2. Ongoing relationship based on comprehensive financial planning and investment management.
We will help develop the plan (blueprints) and serve as the general contractor, hire the sub-contractors, build it, and provide ongoing maintenance and repairs.
This may include, but is not limited to the following:
- Comprehensive financial planning & goal setting
- Cash flow, budgeting, debt management
- Tax planning and preparation*
- Optimizing Social Security and Pensions
- Health insurance/Medicare/COBRA/ACA consulting
- Consulting for life, health, home, auto, disability, umbrella & long-term care insurance
- Continuous investment monitoring, coordination, rebalancing and management, including 401ks.
- Optimizing employer benefits
- Retirement income planning
- Estate planning* (wills/trusts, financial & healthcare powers of attorney, beneficiary coordination, charitable giving)
- Complementary Power of Attorneys for adult children
- Trust administration*
- Coordination with other professionals (accountants, bankers, insurance agents, etc.)
- Multi-generational planning – free coaching and powers of attorney for adult children/grandchildren until age 25 or they get married.
- Staying abreast of changing rules and regulations
- Fraud protection and identity theft software with $1M identity theft insurance
- Ongoing coaching and progress meetings
For this option, we charge a percentage of the total household portfolio value that we manage.
*Tax preparation & filing, trust administration, and estate planning document creation are done through our various alliances with legal, accounting, and estate planning firms.
Members of Ed Slott's Elite IRA Advisor Group train with Ed Slott and his team of IRA Experts on a continuous basis. These advisors pass regular background checks, complete requisite training, attend semi-annual workshops, webinars, and complete mandatory exams.
They are immediately notified of changes to the tax code and updates on retirement planning, so you can be sure your retirement dollars are safe from unnecessary taxes and fees.
Additionally, members have access to us, America’s IRA Experts to answer any tough questions or planning needs.