Your Purposeful Money Plan starts with you

When we advise you, we always start with the “why.” We can’t help you make the best decisions for your finances unless we understand where you want to go. So we ask a lot of questions and we are very interested in hearing your story. Those details may seem off track, but really, they help to create the track.

Smart financial planning considers all the pieces of your finances, not just one or two. While each part of your plan has its own purpose, none exist in a vacuum; they are dependent upon each other. Through our Purposeful Money Plan process, we look at your entire financial picture and make sure the pieces add up to be an effective, purposeful whole.

We map that out for you with our LifeHub.

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Safe spending guardrails: the backbone of a successful retirement plan

When heading into retirement, the big question on everyone’s mind is “will I run out of money?” Our retirement income guardrails show you how much can be spent safely, under what circumstances you might have to take a pay cut, and how much – or in good times, give yourself a raise. We continuously monitor your plan against current conditions and alert you when those adjustments should be made.

Knowing how much you can spend is only part of the puzzle. You’ll also need to know where to get it. With our tax expertise, we can advise you as to the smartest places to draw from, such as your 401k, IRA’s, or savings accounts, and in what order, coordinating with the timing of claiming your Social Security, sidestepping Medicare surcharges, and taking advantage of Roth conversions when appropriate.

Savings and investment management: the growth engine of your plan

In implementing your plan, every dollar has a purpose, and we’ll show you where the dollars saved should go. We’ll develop an investment strategy to grow your money based in academic research, with a steady long term approach that is purposeful, steering clear of market timing and stock picking. We’ll be as tax smart in choosing which investments go into which account as we will be when we draw them out later in retirement.


Our wealth management services - the Purposeful Money Plan - includes both ongoing investment management and financial planning.  While we don't have an asset management minimum, we do have a minimum annual fee of $5,000, which is comprised of a combination of asset management fees plus a financial planning fee.  Our investment management fee schedule is below. Investment management fees are debited quarterly from the accounts we manage. For clients for whom we manage at least $500,000 in assets, the financial planning fee is waived.  Tax return preparation may be included if desired. 

Assets Under Management

Annual Advisory Fee

$0 - $1,000,000


$1,000,001 - $2,000,000


$2,000,001 - $3,000,000


$3,000,001 and Above



For example, a client with $200,000 in assets managed will pay $2,000 annually in advisory fees plus $3,000 in financial planning fees.  A client with $500,000 in assets managed will pay $5,000 in advisory fees and the financial planning fees would be waived.




Next Steps

1. Introductory Phone Call

In this 15 minute call, we'll get acquainted and talk about what you’re looking for and how we might be able to help.

2. Initial Meeting

If all goes well in our call, we’ll schedule an hour to spend together, in the office or virtually through zoom, to further identify your goals, priorities, preferences, and any obstacles you may have. We'll also mutually establish what your expectations are for us, and if an ongoing partnership is the right fit.

3. Exploration & Preliminary Planning

In our first official client/advisor meeting, we'll take a deeper dive into your financial life. As we have more detailed conversation about your personal and financial goals, we'll start sketching a preliminary plan.

4. Detailed Planning

Now that we have a foundation, over the next few months we will develop and deliver an easy-to-follow roadmap that will guide you toward your financial goals. This plan will address the areas that are most important to you, and outline the steps needed to conquer potential obstacles. Your plan will also aim to balance maximizing gains while minimizing risk via a solid, tax-smart portfolio.

5. Ongoing Support & Advice

Life is constantly changing, and your goals will too. When new priorities lead you towards different approaches to wealth management and savings, we'll be here to adapt your plan so it transitions along with you.

Contact us today to schedule an introductory phone call.