What do I get for my fee?

If a high-quality advisor can either help you increase your return by more than [his fee], or save you more than [his fee] in time, effort and worry, or save you more than [his fee] by preventing you from making the classic behavioral mistakes… he’s worth it. If the advisor can do all those things-and he very well may-then hiring a coach is a no-brainer. –Nick Murray

My job as your financial planner is to add value to your financial life in 3 important ways:

• We’ll help protect and grow your investments. This includes things like optimal portfolio constructions, tax efficiency, and withdrawal sequencing. Just fancy ways of saying we’re going to reduce taxes and grow gains as safely as we can.

• We’ll use all the financial planning strategies we can to improve your financial outcomes: consistent savings and investing, managing debt, tax savings, and retirement planning fall here.

• And most important, I’ll be your lifelong problem-solving partner. I’ll be here to help you navigate your financial lives with greater clarity and confidence, help you avoid the big mistakes, and hold your hand through the tough times that we know will inevitably come so that you can make the most of your money and your life along the way.

Avoiding Icebergs

·         Create and implement Retirement Income Plan to last multiple lifetimes

·         Create and maintain diversified portfolio with fully funded “war chest”

·         Create and annually review Long Term Care plan

·         Create and annually review Asset Protection plan

·         Annually review estate plan (e.g. What happens if I get sick and/or die?)

·         Hold family meeting to discuss goals and expectations

Paying less in taxes

·         Annual review of tax return and tax strategies

·         Create and annually review lifetime tax reduction plan

·         Track and advise on Required Minimum Distributions (RMD)

·         Achieve maximum tax benefits for charitable contributions

·         Improve tax efficiency of investment portfolio

Never running out of money

•        Consolidated and simplify investment accounts

•        Daily monitoring of portfolio

•        Regular rebalancing to maintain portfolio “war chest”

•        Quarterly analysis of 30,000+ investment options on your behalf

Plain English Advice

•        Quarterly review of key areas (e.g. Taxes, Estate Planning, RMD, etc)

•        Easy to understand breakdowns & action items to implement