Financial Planning

The Financial Planning Retainer starts after a client has gone through our first year Wealth Management set-up.  It is perfect for clients who see the importance of having a financial advisor to keep them on track to reach financial goals such as starting a new business, reaching or sustaining financial independence, or having enough money through retirement.  Clients meet with the advisor two or three times throughout the year to review taxes, their portfolio and their goals.  We review insurance every three years and at life changing events.   We also respond to emails and phone calls throughout the year to answer questions for clients.


What is unique about this retainer?

Even though this is our mid-tier retainer, clients aren’t treated like “mid-tier” clients.  We devised this retainer to make our practice more affordable to the “average person.”   It is great way for clients to partner with an advisor, but not pay the higher fee of the Wealth Management option.


Is this similar to what I would get with a broker (Wells Fargo, Merrill Lynch, etc.)?

No.  Brokers typically deal with just portfolio management.  Clients who come to us after working with a brokerage house tell us that we give a much higher level of service.  They “hear from us” much more and feel that we are looking out for their best interests.  Many brokers are good people, however, it is tough with the brokerage business model to give the same level of service that we do.


Why is it hard for brokers to give the same level of service as your firm?

For a broker to be successful, their “book of business” (the number of clients they have), needs to be over 250. Most brokers who have been in business for 10+ years will have 500 to a 1,000 clients in their book.  Those that do have fewer do so by setting asset minimums of $500,000 – $1,000,000.

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