Our Strategic Reliable Blueprint is a comprehensive solution to your financial planning needs. It allows us to customize your financial plan to your vision. It covers a range of different planning topics specific to your unique situation. In the initial fit meeting, we will discuss exactly what we believe the important pieces of your planning would be so that you know exactly what we will cover during the process. This also allows us to determine if we are the best fit to serve you.
As fee-only financial planners, we always operate as a fiduciary. This means that we are legally obligated to provide advice that is in your best interest. That is, we don’t profit by selling you a particular product or investment. Many people believe that all financial advisors are required to give advice that is in your best interest; unfortunately, that’s not always true if they have something to gain by steering you in one direction or another. Since commission-based financial planners are paid to sell products, they may choose a product that pays them a higher commission, even if it’s not the best choice for you. As fiduciaries, we don’t get paid that way. Learn more about our Philosophy.
Getting started is easy. Set up a call with one of our team members by clicking on this link:
Once our team answers your questions, we will set up a fit meeting so that you can determine if moving forward without firm is best for you. It also gives us the information we need to make sure that we are the best firm for you. Depending on your situation, there may be another advisory firm that has specific expertise in the planning that you need. If we feel that’s the case, we will be happy to refer you to them. Contact us today to get started.
We believe that financial planning is the most important step in the decision-making process. We are passionate about helping you define your goals and get really clear about the things that are important to you now and in your retirement. We work for you. TIAA and Fidelity’s advisors work for the institutions that provide MSU Retirement benefits in the form of your 403(b) account. They focus on selling proprietary products. Because we don’t sell products (and aren’t compensated by insurance or investment companies), we are able to provide advice that is in your best interest without being motivated by how we might personally benefit. This is truly what being a fee-only fiduciary means.
Financial Planning. We charge a one time fee of $2400 for our comprehensive financial plan. We also charge a monthly retainer for ongoing financial planning work (if needed), starting at $200/month.
Investments. We charge investment clients based on a percentage of assets taken out of your investment account quarterly based on the following schedule:
|Account Portion||Annual Fee|
|Up to $499,999.99||1.00% (0.25% quarterly)|
|$500,000.00 to $999,999.99||0.80% (0.20% quarterly)|
|$1,000,000,00 to $1,999,999.99||0.60% (0.15% quarterly)|
|$2,000,000.00 and up||0.20% (0.05% quarterly)|
Please contact us and we’d be happy to explain this in further detail.
No, you do not need to be an MSU employee to work with our firm. While we do have special expertise and experience working with the university’s plans and benefits, our clientele comes from a variety of different industries with a diverse range of situations.
Our typical new clients are still working and want to create a financial plan that helps them connect their finances with their values. Often this means preparing for a transition to retirement, or to a new career, and frequently includes college planning and other nearer – term goals.
Simply put, we help you develop the financial knowledge you need to achieve financial freedom and create the life you want now and in retirement.
Our Strategic Reliable Blueprint will give you a clear, organized picture of where you stand financially. We will help you come up with goals and the steps you need to take to reach them. We will become your accountability partners in this endeavor.
No, you do not need investments for us to work with you. We charge fees based on the time we spend on helping you with your financial plan and/or the assets we manage. Our minimum fee for these services starts at $200/month, either as a subscription or as an asset management fee, depending on your situation, and is based on the complexity of the work that we are doing for you. Please contact us to get more detailed information on our minimum fee and pricing.