Services

I provide fee-only financial planning, individual tax planning and individual tax preparation services. My approach focuses on knowing my clients and understanding their financial goals and objectives. After an initial one-on-one Get Acquainted meeting and based on my clients’ specific needs, I develop their individual plan.

Once you’ve had a chance to review my web site, please contact me so we can determine whether my financial planning services are appropriate for your needs. Please note: my individual approach does limit the number of clients I’m able to work with. As of now, I’m not adding new clients.

New Client Steps
My first step in working with new clients is to schedule a complimentary, 30-45 minute Get Acquainted meeting to discuss your goals and needs.

After we meet, I develop a fee estimate, based on my rate of $400 an hour and the time needed to analyze your situation and develop your customized plan. Below I have provided typical fees for the services I offer. It’s important to know that fees vary, based on each client’s situation and needs.

New Client Considerations
My services are best used by those who are actively working to accumulate wealth, looking to grow their assets and are open to meeting on an annual basis. Based on your schedule and comfort level, I’m open to conducting annual meetings either in person or virtually with screen share.

In preparation for our annual meeting, I do ask for account statements and a few pieces of completed paperwork so it’s important new clients understand that I’ll be making certain requests.

I develop the overall plan and my clients self-implement my specific recommendations fairly quickly after our meeting. For example, clients may need to log into their accounts to make asset allocation changes, transfer funds or open a new account.

If you are interested in working with me or want to learn more about my approach, I offer a complimentary, 30-45 minute Get Acquainted meeting to discuss your goals and needs.

After we meet, I develop a fee estimate, based on my rate of $400 an hour and the time needed to analyze your situation and develop your customized plan.

Below I have provided typical fees for the services I offer. It’s important to know that fees vary, based on each client’s situation and needs.

Investment Planning
Planning begins by identifying your objectives, risk tolerance and time frame. I can create a diversified portfolio, using a low-cost passive approach, which includes low-cost and no-load financial products that reduce investment expenses and maximize long-term performance.

The typical fee for a new client is $3,000-4,500. Subsequent plan updates are typically $1,500-2,100.

Retirement Planning
Determining how much money you will need to retire, and when you can retire, is a difficult task.  I can help you to decide when you can comfortably retire, and how long your money will last, based on different scenarios. For younger clients I can help determine an appropriate savings rate to reach your goals.  I can also assist you with making decisions concerning when and how to claim Social Security and pension benefits.

The typical fee is $1,500-3,000.

College Planning
529 Plans, Coverdell Education Savings Accounts and UGMA/UTMA accounts represent different ways to save for college. I can help you determine which is best for you and what investments to select within each account.

The typical fee is $500-1000 in conjunction with other planning services.

Comprehensive Financial Planning
This service encompasses a comprehensive review of your entire financial picture – household income and expenses, taxes, debt management, savings, investments, retirement and education funds, employee benefits, insurance coverage, and estate planning and gifting. Based on your goals, I can address each element individually within the context of your entire financial situation.

The typical fee is $4,500-7,000.

Tax Planning & Preparation

As a CPA, I can review your previous tax returns and discuss your current financial situation to find ways to minimize your future taxes. I offer tax services to my financial planning clients. If you need a tax accountant only, I suggest checking the WICPA website (www.WICPA.org) and using the “Find a CPA” search to locate a CPA who can help you with your taxes.

For my financial planning clients, I offer income tax return preparation, which begins at $500 and increases with complexity, and  tax planning, which typically ranges from $500-1000.