Let's Build a Plan

Here's What It Costs and What You Can Expect:

First, we set up an intro meeting to determine if we're a good fit to work together.

If so, we sign an advisory agreement, which gives us an initial 6-month period to work on the financial planning topics most important to you. Flat-fee pricing:

Starting at $2,000 per individual, or $3,000 per household (you + partner/spouse)

Ongoing Help: Portfolio Management Services

If you need help with direct management of your investments, or you just want your portfolio set up professionally before you eventually decide to manage accounts yourself, you can opt in for Portfolio Management Services. This optional service is based on the total assets managed, with a 0.50% annual rate broken up quarterly. It's built in to seamlessly activate as part of our advisory agreement if you decide to utilize it.

OK...But, How?

Once we're off and running, we start by gathering ALL THE DATA. I'll break this down into small requests, with tips on how to best complete these tasks. Steps:

You'll get your own client website, which acts as a central hub for your financial life. This is where we'll directly plug in your various accounts and build a live, personal balance sheet. We'll also add future goals, household spending estimates, and much more. This information will serve as the inputs for the financial planning software we'll use together.
We'll set up our first official meeting, literally titled "Get Organized."
During our meeting we have a chance to talk in detail about all the things that aren't easily explained by the numbers, and to answer some of the questions we'll have for each other after the data gathering process.
OPTIONAL: This is also our first chance to officially air grievances about the Seattle Mariners.

I will be working on two primary deliverables:

A Financial Planning Action Items document. This is a financial plan without the 100-page PDF. It's organized as a checklist, sorted according to priority, and includes links to quickly go to resources or referrals I recommend to you.
Investment Policy Statement (IPS). The IPS acts as a living document so you have a written investment plan for the long-term. It includes a checklist for investment-related tasks. Clients who opt to use Portfolio Management Services get yearly IPS updates, as well as updates when circumstances require investment changes.

Both documents are Google Docs, where you (and a spouse/partner, if applicable) can comment directly so we're all on the same page and questions can be answered quickly.

We'll meet twice to discuss your Action Items and IPS documents. These meetings will typically be a few weeks apart so you have time to work through recommendations and follow-ups.

Looking out into the future with financial planning software is typically the last phase of our financial planning engagement. It's where we can collaboratively look at what-ifs, experiment with different scenarios and make projections about the future.

(This is really just a formal way of saying "we're going to hit buttons, pull levers and twist knobs in the planning software to see what happens.")

A plan is nice, but it's worthless if we don't take action. During the implementation phase, I'm on the team to help you as follows:

Answer questions in real time. Examples:
- Answering questions via text/email/Google Docs
- Setting up quick screenshares to help you accomplish a task like rebalancing a 401(k), placing a trade, or looking up various benefits
Coordinate with other professionals, if necessary. If I make a recommendation for you to work with an attorney or a tax professional, I can help make introductions or facilitate a meeting so we're all on the same page.
Directly setting up your investments and managing them, if desired.

Let's Build a Plan

Here's What It Costs and What You Can Expect:

First, we set up an intro meeting to determine if we're a good fit to work together.

If so, we sign an advisory agreement, which gives us an initial 6-month period to work on the financial planning topics most important to you. Flat-fee pricing:

Starting at $2,000 per individual, or $3,000 per household (you + partner/spouse)

See a Financial Planning Fee Estimate

Ongoing Help: Portfolio Management Services

OK...But, How?

First, We 'Get Organized'

I Get to Work on Your Plan

We Discuss Your Plan

We Implement