What We Do

Through our Core Client Services, we provide four broad categories of ongoing support. Each is designed to meet the needs of clients and potential clients in distinct phases of life. All our services are personalized to each individual client.

Pacesetter → 1. one who is successful, a leader; 2. invests early, maintains a long-term perspective

Individuals or families with investable assets less than $400,000; you realize the positive long-term impact of action and consistency. You know a documented plan is key to success.

Click here to learn more about the Pacesetter.

Wealth Builder → 1. one who is disciplined, insightful; 2. plans wisely, achieves goals, realizes dreams

Individuals or families with investable assets in excess of $400,000 or net worth greater than $750,000; you know carefully-considered decisions can keep you on track for retirement. You’ve mastered money management principles. Now you’re operating at full speed and not ready to slow down.

Click here to learn more about Wealth Builder.

Income Director → n  1. one who is independent, free to flourish; 2. maximizes assets, enjoys new possibilities

Retirees or those nearing retirement; you want to make the most of what you’ve built, so you can focus on the better parts of retirement life. You recognize your near-term goals are changing and need a different approach.

Click here to learn more about Income Director.

Legacy Creator → 1. one who is mindful, strategic; 2. knows preserving wealth is more important than ever

Individuals or families with investable assets in excess of $1.25 M or net worth greater than $2 M; you’ve achieved quite a bit in life and want to preserve what you’ve built. That requires strategic planning for your estate, taxes, retirement, long-term care and more. It also enables you to consider your impact on the people and issues most important to you.

Click here to learn more about Legacy Creator.

Core Client Services

Pacesetter

Core Client Services - Pacesetter

Who: Individuals or families with investable assets less than $400,000; you realize the positive long-term impact of action and consistency. You know a documented plan is key to success.

Services: Investment Management with a high quality self-service planning platform; additional optional services include:

  • Discretionary Investment Management based on an Investment Policy Statement (IPS) created with and for you
  • Access to secure client portal, which includes electronic investment reports with optional do-it-yourself e-Planning
  • Account aggregation tool that provides easy-to-understand consolidated view of all finances
  • Electronic quarterly reports
  • Initial and annual consultation is offered and included

Pricing:*

  • Platform fee of $40 per month plus
  • Asset-Management Fee: 1.10%
  • Add-On Services (i.e. financial planning, retirement analysis, insurance review) are available for additional fees. Each is billed separately at $250 per hour or a pre-arranged flat fee, from $250 – $6,000 depending upon client needs.

Wealth Builder

Core Client Services - Wealth Builder

Who: Individuals or families with investable assets in excess of $400,000 or net worth greater than $750,000

You know carefully-considered decisions can keep you on track for retirement. You’ve mastered money management principles. Now you’re operating at full speed and not ready to slow down.

Services: Investment Management and Personal Financial Planning includes the services offered in the Pacesetter plan and the following optional services:

  • Advisor-led collaborative creation of a Personal Financial Plan
  • Annual monitoring of plan progress
  • Option for new plan every three years
  • No-commission insurance analysis
  • Review of employer retirement accounts
  • Optional hard-copy quarterly reports

Pricing:*

  • Asset-Management Tiered Fees:
  • 1.10% on first $500,000 plus
  • 0.90% on next $500,000 plus
  • 0.85% on next $1M plus
  • 0.75% on next $1M
  • Management fees on assets exceeding $3M are negotiable.
  • Minimum fee of $1,000 quarterly

Income Director

Who: Retirees or those nearing retirement

You want to make the most of what you’ve built, so you can focus on the better parts of retirement life. You recognize your near-term goals are changing and need a different approach.

Services: Investment Management and Personal Retirement Planning includes the services offered in the Wealth Builder plan and the following optional services:

  • Creation of an income strategy
  • Evaluation of pension options
  • Planning for retirement account distribution
  • Strategizing social security options
  • Review of Medicare choices
  • Cost-planning for long-term care
  • Estate Planning
  • Meeting with power of attorney or successor trustee offered

Pricing:*

  • Asset-Management Tiered Fees:
  • 1.10% on first $500,000 plus
  • 0.90% on next $500,000 plus
  • 0.85% on next $1M plus
  • 0.75% on next $1M
  • Management fees on assets exceeding $3M are negotiable.
  • Minimum fee of $1,000 quarterly

Legacy Creator

Who: Individuals or families with investable assets in excess of $1.25 M or net worth greater than $2 M

You’ve achieved quite a bit in life and want to preserve what you’ve built. That requires strategic planning for your estate, taxes, retirement, long-term care and more. It also enables you to consider your impact on the people and issues most important to you.

Services: Wealth Management, Personal and Retirement Planning includes the services offered in the Wealth Builder plan and the following optional services:

  • Unlimited advisor meetings
  • Unlimited updates to your plan
  • Ongoing coordination with your other professional providers (i.e. CPA, attorney, pension consultant, etc.)
  • Family meetings offered
  • Waiver of Platform Fee for family

Pricing:*

  • Asset-Management Tiered Fees:
  • 1.00% on first $1M plus
  • 0.85% on next $1M plus
  • 0.75% on next $1M
  • Management fees on assets exceeding $3M are negotiable.
  • Minimum fee of $3,000 quarterly
*Annualized fees are calculated and deducted quarterly for our Core Client Services.