Advice
To retain our planning services, we charge a flat fee to develop a personalized financial plan. This fee is payable up front when you ask us to begin our work. It covers the creation of your financial plan and we provide a year’s worth of implementation assistance.
At the end of the year, we will collectively determine what work, if any, needs to be done on an ongoing basis. We offer a variety of ongoing planning options so that our clients can choose the option that best fits their needs. Our ultimate goal is to establish long-term working relationships through multiple generations with our clients by keeping your plan current and relevant.
Implementation
As a result of our planning process, many clients choose to engage our investment management services. Typically, we are compensated for managing our clients' investments by charging an advisory fee. However, sometimes a commission-based structure is more appropriate. Our fees will be disclosed to you prior to engaging our services and we will work together to determine which investment fee structure is most appropriate for you.
Additionally, if we agree that a financial product is an appropriate part of implementing your plan, you can choose to have us represent you in the financial product marketplace. We have access to major companies in the industry and will assist you in finding products that meet your objectives, risk tolerance, and compliment your planning. We typically earn a commission built into certain types of investment and insurance products paid by the issuing company.
If you are a business owner who desires to sell or raise capital, we have access to unaffiliated third party Merger & Acquisition firms to execute appropriate transactions. We may share in a finder’s fee or success fee if you elect to use one of these firms.
Your Active Goodwill
In our business, the greatest compliment we can receive is an introduction to someone that you would like to see benefit from our services. It shows your trust and confidence in us, and your willingness to share that with others. Not only will you be helping us expand our business, more importantly you may be helping those you introduce to us. There is no money that changes hands here, but we consider your introduction to others the highest form of compensation.