New Clients

In our initial complimentary consultation, we will discuss your needs and provide a proposal for your personal financial plan. Our services are based on the amount of time we spend working on your plan and meeting with you, not how much money you have. More complex planning will take more time, and we’ll always be transparent with you about our fees.

Read our client profiles to get an idea of who typically benefits from different planning levels.

Scouting

$3,375 - $5,625 Generally 9 - 15 hours
  • For people early in their careers who are beginning to save for retirement. Plan includes:
  • Review of assets
  • Cash flow review
  • Basic saving advice
  • Basic strategies to achieve short & long term goals
  • Investment advice on 1 to 5 accounts
  • Can also include:
  • Debt reduction strategies
  • Basic insurance review
  • College savings advice
  • Company stock strategies
  • Home affordability
  • 1.5 hour meeting

Touring

$4,875 - $7,500 Generally 13 - 20 hours
  • For early to mid career clients that are more than 10 years away from retirement. Includes the items in a Scouting Plan plus:
  • Detailed retirement modeling ‐ generally one scenario
  • Life and disability insurance review
  • Investment advice on 2 to 6 accounts
  • Can also include:
  • Planning for private primary or secondary education
  • Investment account consolidation
  • Single rental property
  • Stock options or stock awards
  • Concentrated stock planning
  • Sustainable investing
  • Upgrading home
  • 1 to 2 hour meeting

Journey

$5,625 - $8,250 Generally 15 - 22 hours
  • For mid to late career clients that are within 10 years of retirement or those recently retired. Includes the items in Scouting and Touring Plans plus:
  • Generally two or more retirement scenarios
  • Planning for early retirement
  • Pension strategies
  • Planning for required minimum distributions
  • Introduction to retirement distribution strategies
  • Long term care strategies
  • Investment advice on 5‐10 accounts
  • Can also include:
  • Complex family situations (working with a POA)
  • 2 rental properties
  • 1 to 2 hour meeting

Expedition

Starting at $7,500 More than 20 hours
  • This level is for anyone in the Touring or Journey categories, but with many more moving parts. This may include:
  • Higher net worth clients
  • More than 10 investment accounts
  • Multiple residences
  • Special income situations
  • Complex tax situations
  • Complex investment advice or accounts with many holdings
  • Multiple investment strategies
  • Multiple meetings or a need for increased correspondence
  • 3 or more rental properties
  • Interactions with other professionals (CPA, estate attorney) on your behalf
  • 1 to 2 hour meeting

Contact us to schedule time with your financial planner.