Our Wealth Management Services include the following:

Financial Planning

We work with our clients to develop a comprehensive, written plan that helps to guide our relationship. This plan examines your current financial situation, your long-term goals, and helps us to develop strategies for you to reach those goals. We will provide you with a questionnaire to compete, and we will then meet a few times in order to develop the initial financial plan.

This plan will be updated periodically thereafter, based on how frequently changes might occur in your life. Some clients ask us to update their plan once a year, others will update it every few months. We are happy to update the plan as often as the client wishes, and there are never any additional fees for doing so.

Portfolio Management

We design our clients’ portfolios based on their long term goals and risk tolerances. We then continually monitor their investments to ensure that the portfolio is performing as we’ve intended, and is in line with their financial plan. Too many investors focus solely on the rate of return, without considering how that rate of return factors into their overall plan. This might cause them to take too much risk to chase a higher return, or perhaps take not enough risk and not earn the long term return that they require in order to achieve all of their financial goals.

Our clients receive monthly statements from the account custodians, and a quarterly performance report from us. In addition, they are welcome to come in as frequently as they would like to review their portfolio.

Income Tax Preparation

Our clients also receive their annual personal income tax returns prepared by our affiliated CPA firm, Sachetta & Company, LLC. We believe that having a single point of contact for your financial plan, investment management, and income taxes gives you much greater control over your financial situation. Too many times we have seen advisors make investment decisions without considering the income tax consequences. We work with our clients year-round to ensure that they are always making the most informed decision possible.

Unlimited Consultations

Clients are welcome to schedule an appointment or call our office as often as they would like to discuss any topics of concern. While we typically meet face to face with clients a few times per year to prepare their tax return and to update their financial plan, we may meet as often as necessary for you to feel comfortable with your progress toward your financial goals.

Wealth Management Fee Schedule

All of the services listed above are included in this fee Minimum portfolio size of $100,000, or minimum annual fee of $1,500

• $100,000 - $250,000 = 1.5% per year
• $250,000 - $500,000 = 1.0% per year
• $500,000 - $1,000,000 = .75% per year
• $1,000,000 - $5,000,000 = .50% per year
• $5,000,000 + = .40% per year

This fee is debited in monthly increments based on the average portfolio balance during the prior month. This is a progressive fee structure, and the balance that falls within each range is billed at the indicated percentage.