Projects For Clients Who Do Not Need Or Want A Comprehensive Financial Plan

Investment Portfolio Review and Analysis [$1250/$1750]

Detailed analysis of your investment accounts; project cost is based upon the number of accounts and portfolio complexity

  • Create an Investment Policy Statement (IPS)
  • Assess risk tolerance, financial goals, and timelines
  • Determine a suitable target asset allocation
  • Map a path to align your current asset allocation to your target goal
  • Assess portfolio diversification
  • Estimate fees and expenses
  • Mutual funds vs. Exchange Traded Funds (ETFs)
  • Incorporating sustainable and ESG (Environmental, Social and Governance) investments in your portfolio
  • Investing beyond retirement accounts
  • Tax implications of changes in a non-retirement investment account
  • Addressing/mitigating volatility so you can worry less about market fluctuations
  • Making your cash work harder for you
  • Best practices for streamlining/"remodeling" old employer retirement accounts


Retirement Income Capital Analysis (“Can I Retire?”) Project [$1750]

Detailed analysis and recommendations for new retirees and those within 1-3 years of retiring

  • Create a retirement policy statement and strategies
  • Estimate retirement income sources, amounts, and timing
  • Assess how much guaranteed income will be in your retirement plan
  • Cash flow review of retirement income and expenses
  • Which pension option is best for us?
  • Review of your options for taking Social Security
  • Assess what you should do with your 401(k)/403(b)/TSP, etc.?
  • Income withdrawal strategy planning--how much can I/we take out and not run out of money?
  • Factoring in tax-efficiency in your withdrawal strategy
  • Try to answer the critical question: Can we afford the retirement we want?


Retirement Readiness Package [$2750/$3250]

Discounted combination of Retirement Income Capital Analysis and Portfolio Review and Recommendations


Annual Retiree Check-Up [$950]

Periodic financial review and course corrections for our retired clients

  • Review retirement policy statement and strategies
  • Plan for evolving retirement goals
  • Income vs. spending--do I/we need to adjust?
  • Assessment of cash reserves/emergency fund
  • Is your asset allocation still aligned with your timelines and risk profile?
  • Starting your Required Minimum Distributions (RMDs)--planning ahead on when and how
  • RMDs and the impact on your taxes and Medicare premiums
  • Annual RMD planning--from which accounts? Other actions needed? Looking ahead
  • Am I/are we still on course for a successful retirement?


Required Minimum Distribution (RMD) Planning [$750]

Limited scope project to position assets for annual RMDs

  • Review investment accounts and asset allocation
  • Annual RMD planning
    • Identify the account subject to RMDs
    • Ensure the current year's RMD has been/will be taken
    • Estimate next year's RMD
    • Evaluate from which accounts and account holdings to take the RMD
    • Discuss the desired timing and tax implications
    • Position assets and rebalance account holdings


Young(er) Professionals Planning Headstart Project [$650]

Designed for new college graduates and professionals under age 30; includes:

  • Financial literacy and education
  • Creating a spend plan
  • Paying off debt
  • Buy vs. rent analysis
  • Workplace benefits review
  • Saving for retirement
  • Pre-tax vs. Roth investments
  • Insurance needs analysis


Income Tax Return Review and Tax Analysis [$750 - $1250]

Not income tax preparation, but review of prior year tax return(s) for potential issues and savings as well as tax planning for best possible outcome


Real-Time Planning has a set fee of $750.00

  • Up to 2 hours with CFP® Professional.
  • Addresses your most pressing planning questions.
  • Outline report of topics discussed.

Other Services except Real-Time Planning are charged on an hourly basis for $250 per hour; minimum of 2 hours per project.