Our Service Commitment and Fees

We develop a Customized Wealth Management Plan and Retirement Forecast Report for each client.  The Customized Wealth Management Plan sets objectives and defines how and why the portfolios are constructed. It includes portfolios with strategies that balance their goals against their risk tolerance.   The portfolios can be highly engineered to manage the impact that taxes have on clients in higher tax brackets.  Our Retirement Forecast Report is a hypothetical projection of their plan, from today through their retirement years.  Our approach helps clients paint a picture that shows them how their life and their children’s lives may be enriched.  We find it very rewarding that we are able to help them seek to enjoy the fruits of their labor.


Minimum Account Value To Open Account

  • IRA, Roth IRA, 529 College Savings, UTMA accounts will depend on the Money Manager selected.
  • Retirement Plans for small businesses, Simple IRA, SEP IRA etc. generally don't have minimums. How ever, some investment share classes may be limited due to minimums requirements.
  • Wealth Management Accounts generally require a minimum of $50,000.


Management fees are based on the value of your account and the level of services you wish to receive. Because the fee is calculated as a percentage of your assets, the exact amount of your fee will vary based upon changes in your total portfolio value resulting from appreciation, depreciation, withdrawals, or additional contributions. 


Client services We recommend two formal client reviews per year. Services are tailored to the needs and desires of the client.  Each client is offered the following services

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

Formal Client Review include: 

  • Analysis of risk tolerance and goals

  • Review Goals and Objectives

  • Analysis of Existing Investments

  • Develop Wealth Management Plan or Review Current Plan

  • Develop Investment Policy Statement or Review Current Plan

  • Portfolio Performance Reporting

  • Close Monitoring & Assessment of Investment Costs

  • Portfolio Rebalancing to Manage Risk

  • Tax and cost-basis reporting at year end


Comprehensive financial plan - Develop Retirement Cash Flow Report

  • Retirement Needs Analysis

  • Cash Flow and Budget Forecasting

  • Compare Retirement Income Distribution Strategies

  • Education planning and funding

  • Overall net worth analysis

  • Comprehensive insurance planning


Strategic Wealth Conservation Planning

  • Gifting Strategies

  • Generational Trust Planning

  • Charitable Gifting Strategies

  • Tax-Efficient Investing and Giving

  • Annual Financial Plan Updates