You Deserve More Than Just “Investment Management”

If you are paying around one percent a year to a financial advisor, you should be getting more than a quarterly performance report and a generic investment mix. That one percent is a real investment in your future, and it should come with a comprehensive, ongoing relationship that helps you make confident life and money decisions, not just investment decisions.

Over the years, in my practice, I have been reimagining what Assets Under Management really means. To me, it is not just about the dollars in your portfolio. It is about your whole financial life and how money supports the life you want to live. You have worked hard to build what you have, and you deserve a partnership that lets you focus on what you love, whether that is family, career, travel, or simply having more breathing room in your day, while knowing the financial details are being taken care of.

A Tiered Approach That Reflects Your Needs 🎯

Every stage of your financial journey deserves the right level of support. To keep expectations clear and value transparent, I use three service tiers that reflect both your investable assets and your life stage.

Tier 1: Foundation (up to $400K investable assets) 🧱

Think of this as your financial launchpad phase, where we are building strong habits and structure.

You receive:

• Two review meetings per year
• Goal setting and tracking for retirement, education, and major purchases
• Standard financial projections and budgeting support
• Tax review with basic optimization ideas
• Employee benefits review
• Debt management and insurance analysis
• Simple estate planning guidance
• A personalized online dashboard

Ideal for professionals who are building wealth and want guidance, structure, and accountability as they grow.

Tier 2: Growth ($400K–$1.5M investable assets) 📈

As your assets grow, your financial life becomes more complex, and your support should grow with it.

You receive:

• Quarterly meetings and ongoing touchpoints when life changes
• A comprehensive financial plan covering all key areas
• Tax efficient investing and distribution strategies, including Roth conversion planning
• Advanced investment portfolio management
• Retirement income modeling and Social Security optimization
• Long term care and advanced insurance analysis
• Expanded estate and beneficiary strategies
• A personal online dashboard

Ideal for families and pre retirees who are balancing multiple goals such as retirement, college funding, career shifts, or business growth.

Tier 3: Wealth ($1.5M+ investable assets) 👵👴👨👩👧👦

This tier is for a holistic, ongoing wealth management relationship focused on optimizing, coordinating, and protecting your legacy.

You receive:

• Personalized investment portfolios with detailed risk analysis
• Advanced tax and coordinated withdrawal planning
• Research and guidance on private investments and alternative assets when appropriate
• Proactive wealth transfer and philanthropic planning
• Integrated estate strategies in collaboration with your CPA and attorney
• Coordination of family meetings and financial education for the next generation

Ideal for those who want a proactive, coordinated approach to legacy, lifestyle, and impact.

Because Comprehensive Planning Is About More Than Money 🌟

At its core, this model is about empowerment. Some clients want to hand off portfolio management so they can focus on the parts of life that matter most to them. Others prefer hourly or project based engagements for targeted planning, because they enjoy managing their own investments. Both are completely valid, and both options remain available. Financial advice should fit your life, not the other way around.

This tiered approach is designed to create transparency, structure, and, most importantly, alignment between what you are paying and the value you are receiving. If you are paying one percent for AUM, you should expect much more than basic investment management. You should expect accountability, proactive planning, and a partner who truly cares and helps you use your money to support the life you truly want, both financially and personally. 🤝

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