Everyone has their financial goals, but not everyone knows how they will get there.
How much risk should I take to reach my goals? Do I have enough to retire and at what age? How do I save for my children’s education and my retirement at the same time? How can I be as tax-efficient as possible?
These are all valid questions, and fortunately, we have the answers.
“What We Bring To The Table”
Accountability Partner
- improved motivation
- increased accountability
- enhanced perspective
- greater confidence
Maximize opportunities by staying in the know
- latest trends and products
- take advantage of new growth opportunities
- minimize risks
More time on your calendar
- we set meetings | discuss any changes
- remain on track
- you focus on your personal life
A professional process in place to manage your finances
- assessment of current
situation - set realistic goals
- design custom plan
Avoid common mistakes
- inadequate diversification
- not taking advantage of tax-advantaged accounts
- poor investment choices
Stop procrastinating
- set deadlines
- keep you accountable
- breakdown goals into manageable tasks
- take action
- make progress
We strive to be different, so our firm offers transparent pricing.
About Our Fees
For clients that want a comprehensive financial plan, but are not looking for investment management services, we charge planning fees ranging from $6,000 to $10,000 based on your needs. We will also do one-time project work based upon an agreed-upon scope of work. We will make a good faith estimate of the number of hours needed to complete the project. Fees typically start at $3,000 for project-based engagements.
This fee does not include detailed investment portfolio recommendations that would typically qualify as services applicable as wealth management services.
iEssentials
$8,000/Family || $6,000/Single
We deliver on this engagement in 90 days or less
- Develop investment portfolio & set financial goals
- 5 year cash flow and savings projection (click the link to see a video of an example)
- Review retirement account contributions (IRA & Roth)
- Evaluate Empower Retirement 401(k) plan
- Elect employee benefits & evaluate supplemental coverage needs
- Investment portfolio analysis and recommendations to asset allocation and/or target date funds
- Build a go-forward investment plan for your future savings
- Empower Retirement Mega Back Door Roth Contribution
- Develop your concentrated stock liquidation strategy
- E*trade stock diversification plan for ESPP and RSUs (click for example)
- Schwab Personal Choice Retirement Account (PCRA)
- Traditional versus ROTH contribution analysis (click for example)
- Retirement income forecasting and planning
- Insurance planning (Life, Disability, Long-term care) (click for example analysis)
- Assistance with major purchases (i.e. home buying help)
- Education and college funding (click for example analysis)
- Review custodial account contributions
iComplete
$10,000
We deliver on this engagement in 90 days or less
- Develop investment portfolio & set financial goals
- 5 year cash flow and savings projection
- Review retirement account contributions (IRA & Roth)
- Evaluate Empower Retirement 401(k) plan
- Elect employee benefits & evaluate supplemental coverage needs
- Investment portfolio analysis and recommendations to asset allocation and/or target date funds
- Build a go-forward investment plan for your future savings
- Empower Retirement Mega Back Door Roth Contribution
- Develop your concentrated stock liquidation strategy
- E*trade stock plan optimization for ESPP and RSUs
- Schwab Personal Choice Retirement Account (PCRA)
- Traditional versus ROTH contribution analysis
- Retirement income forecasting and planning
- Insurance planning (Life, Disability, Long-term care)
- Assistance with major purchases (i.e. home buying help)
- Education and college funding
- Review custodial account contributions
- Tax coordination meeting with your accountant
- Stock options strategy and stock plan optimization for ISOs and NSOs
- Alternative investment strategy (private equity, non-traded real estate)
- Tax-qualified investment consideration (exchange funds, deferred annuities, etc.)
- Concentrated stock strategies & liquidation (10b5-1 planning)
- Estate planning review – updating documents and beneficiaries as needed
- Roth IRA Conversion analysis (click to see an example)
- Annual gifting & charitable giving
Frequently Asked Questions
What’s the main difference between iEssentials and iComplete?
The main difference is that the iComplete package provides coordinated planning with an outside tax professional throughout the year. Coordinated planning can be beneficial to you because your strategy is developed with both financial planning and tax consequences in mind. Furthermore, it allows you to have confidence knowing you’re asking the appropriate questions to your accountant.
If I want one service from the iComplete package, can I swap that in for a service in the iEssentials package that I don’t need?
Yes, you can. Our packages are priced based on how much time we spend with you so let us know what you have in mind and we’ll tailor the engagement to fit your needs.
What is the additional fee to include my spouse?
For the iEssentials and iComplete packages, there are no extra fees to include your spouse. The flat fees of $6,000 and $10,000 includes the both of you.
The First 3 Months – iComplete
Please note that the below meeting structure is just an example. Meeting topics and frequency will be adjusted based on your specific situation.
