How it works.
Just as thoughtful planning boosts success in reaching any goal, Financial Planning is the first step in plotting how your resources can best support your life ambitions. Financial decisions are rooted in your intentions and values. That’s where we begin.
Outline – Meeting 1
Share what brings you joy, what you hope for and your chief concerns. We want to understand how you imagine a rich life unfolding – which chapters are critical and where you’re willing to edit.
Draft – Meeting 2
Together we review your resources and how money is structured in your life. We uncover strengths, potential and pitfalls you may have overlooked.
Compose – Meeting 3
Understanding your objectives and resources helps us craft a realistic plan to get your financial house in order and build a portfolio to help you meet objectives. You receive a concisely written proposal with steps you’ll be inspired to take.
Rewrite – Ongoing
A properly allocated portfolio isn’t the final chapter. Markets and circumstances change. We meet regularly to ensure your plan still serves what’s most important. Plus, we love catching up.
A word about investing.
Once Financial Planning is complete, we help with Investment Management. When you’re ready to give us a thumbs-up on investments, we handle paperwork, account transfers and trading.
Our portfolios are typically designed for the long term with attention to any near term needs or goals.
Three principles underpin our approach:
1. Markets are efficient; emotions – not so much.
We stick to an asset allocation driven by your needs and goals, not headlines and hunches.
2. Control what you can.
This means creating portfolios that are low cost, tax efficient, and balanced between your intentions, values and comfort with market volatility.
3. You can invest in the market without sacrificing values.
Investments can advance issues you care about. We specialize in SRI and ESG portfolios that promote social impact.
What it costs.
Everyone’s story unfolds in a unique way. Our tailored guidance helps you wherever you are along your path.
Choose from three service packages.
Planning à la Carte
$300 per hour, two-hour minimum.
If you have a specific financial question, we offer Financial Planning at an hourly rate. This is useful if you manage your own investments but need help with a single concern such as retirement planning, real estate decisions or even feedback on the approach you’re currently taking.
Vision Partner
Starting at $250 per month, twelve-month minimum.
This subscription service is an ongoing collaboration for help with multiple planning questions or various personal and professional transitions. Perhaps you’re planning a career change; adjusting to marriage; find yourself suddenly single; or adding to your family. Some life evolutions take time. We stay with you for the duration.
Wealth Concierge
$250 per month plus percent of assets under management.
For the client who prefers to have professionals handle everything, we offer Wealth Management – the coordination of Financial Planning and Investment Management. This includes consulting with your other professionals as needed. With full access and frequent meetings throughout the year, we address all your questions and needs as they arise.
Wealth Concierge Fee Schedule
$250 per month plus:
| Assets Under Management | Annual Fee |
| Up to $2 million | 1.00% |
| $2 - $5 million | 0.60% |
| Over $5 million | 0.40% |
Which Service is Right for You?
| Service | Fee | |
Planning à la Carte | Single Financial Planning solution | $300 per hour, 2 hour minimum |
Vision Partner | Ongoing Financial Planning | Starting at $250 per month, 12-month minimum* |
Wealth Concierge | Financial Planning plus Investment Management | Percent of assets under management Plus $250 per month |
