Financial Planning & Investments

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• 1:1 Meeting: One 90-minute meeting that focuses on one or two of your most pressing financial issues including:  budgeting, cash flow, debt payoff, 401(k) review or rollover options, college savings, and basic retirement planning questions.
• Checkup and Guidance: Appropriate for those in need of a simple financial check-up or seeking guidance on a few specific areas of their financial situation.  
• Tailored Recommendations: You will receive a short summary of recommendations tailored to you within 1 week of our meeting.
• Actionable Steps:  A quick financial assessment with actionable steps tailored to your situation that you can put into place immediately.
• Continued Support: Email and telephone support provided for 30 days after the meeting. 

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• Establish Financial Foundation: This is for you GenXers looking to establish a solid financial foundation, get answers to common financial questions, and start planning for education expenses and/or your future retirement.
• Your Tailored Strategy: We will tailor a strategy to maximize your savings and ensure you are on the right path toward the retirement you envision.
• Realize Goals & Values: We’ll help you create a realistic budget that aligns with your goals & values, help to prioritize spending and save more efficiently.
• Actionable Steps: We’ll guide you in setting achievable financial goals based on the lifestyle you want to live later.
• Education: We will be a resource & guide to educating you along the way, so you will have the knowledge needed to make informed financial decisions.
• Our Shared Commitment: This is a 12 month commitment and includes 4 meetings per year; in person or Zoom.
• Continued Support: Phone and email support available during normal business hours.

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• Comprehensive Retirement Strategy: We’ll refine and optimize your retirement income strategy to ensure your assets last throughout your retirement years. Depending on the stage of retirement you’re in, this may include 401(k) options review, pension planning, and sustainable withdrawal strategies for existing retirement assets.
• Estate Planning & Wealth Transfer: Protect your legacy with a thorough estate plan that reflects your wishes. We’ll connect you with the right legal professionals to help you create or update your estate documents such as wills and powers of attorney. This will help ensure your wealth is passed on according to your wishes.
• Tax-Efficient Planning: Minimize tax liabilities with strategies designed to preserve your wealth and maximize your savings.
• Long-Term Care Planning: We provide guidance on paying for long-term care, to ensure you’re prepared for increased healthcare costs without compromising your financial security.
• Legacy Building: Focus on what matters most—leaving a lasting impact. Whether it’s supporting causes close to your heart or providing for future generations, we help you structure your finances to achieve your legacy goals.
• Continued Support: this will include 4 meetings per year (in-person or Zoom), with phone and email support available during normal business hours.

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1.20% *Total Client Fee Breakpoints:

Amounts Below $1,000,000   |   1.20%

Amounts Above $1,000,000   |   0.75%

In addition to the above, clients may pay a Cetera Program Fee and Manager Fee based on selected investments. Please refer to firm’s ADV Part 2A and the client’s agreement for additional platform, strategist, or any related fees that may apply. Fee schedule follows Unified and Advisor MAA program.

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