What We Do

Why Work with an Advisor?

Total Value of an Advisor: 4.83% per year

Percent Breakdown

0.17% Annual rebalancing of Investment Portfolios

2.02% Behavioral mistakes individual investors typically make

0.82% Cost of basic investment-only management

0.62% Planning costs & ancillary services

1.20% Tax-Smart planning and investing

Source: https://russellinvestments.com/Publications/US/Document/Value_of_an_Advisor_Study.pdf

The Plan That Fits For You

Advisory

Ongoing advisory account management

Built for those who are wanting many advanced and varying options to choose from within their custom built portfolio.

Recommended for those who have started to build their nest egg and want the opportunity to invest in whichever manner they see fit.

Subscription

Foundational & continual financial guidance

Built for those who are working towards building and growing $75k while still juggling other financial needs and concerns.

Recommended for those who are serious about bettering their financial future and want a coach to help them with it.

Billable Hours

Separating financial guidance from investment management

Built for those who want help and assistance in putting together a plan, then execute it on their own. Estate planning & complex cases.

Recommended for those who aren’t ready to work with a financial advisor permanently but does recognize the need for guidance from a professional.

Additional compensation may apply in the form of commissions for purchase of individual stocks, bonds and through service fees (12b-1) for mutual fund transactions. Fees, charges and expenses are detailed in the Cetera Investment Advisers LLC's ADV Part 2A.

Transactional

Only having an account

Built for those who only want to discuss the account at hand and options within it.

Recommended for those who only want to focus on contributing or holding an account with a direct contact person to have annual check ins and account maintenance.

What Can We Do?

Investment Planning & Management

Brokerage Accounts & Advisory Accounts

Traditional and Roth IRAs

Educational Savings Accounts (529s)

Minor Accounts (UTMA/UGMA)

Mutual Funds

Precious Metals (exposure via Managed Portfolios)

Tax Diversification

Annuities

Protection Planning & Mangement

Permanent Life Insurance

Term Life Insurance

Long Term Care Insurance

Life/Long Term Care Hybrid Insurance

Disability Insurance

Property and Casualty Analysis

Social Security Benefit Analysis

Pension Benefit Analysis (including but not limited to ASRS and PSPRS)

Key Person Planning

Group Life, Health, and Disability Insurance

Business Planning & Management

Employer Sponsored 401(k) Plans

Solo/Safe Harbor 401(k) Plans

Fiduciary Investment Advisory Services

SEP IRAs

Simple IRAs

403(b) and 457(b) Plans

Money Purchase Plans

Employee Enrollment & Education

Everything Else

Budget Guidance

Student Loan Guidance

Monthly Educational Content

Financial Advice

Debt Management

College Planning

Marriage/Separation Guidance

Retirement Needs Analysis

Retirement Accumulation and/or Distribution Planning

Tax Planning Strategy

Special Needs Planning

Inheritance Planning

Multi-generation planning

Charitable Giving Solutions

How We Do It

STEP 1: DISCOVERY

Understand Goals, Values, Plans for your Money and Life
Evaluate Current Positions by Compiling and Organizing Documents & Statements
Tax Review for Income and Investments
Review Insurance: Life and Disability
Assess Investment Risk Tolerance

STEP 2: DESIGN & PLAN

Develop Financial Plan
Investment Allocation & Location
Tax Strategy for Current and Retirement Income
Long-Term Care Strategy
College Funding Plan
Plan to Assist Parents

STEP 3: PLAN IMPLEMENTATION

Optimize Investment Portfolio
Account Creation/Consolidation (If Needed)
Automate Savings & Investing
Adjustment for Tax Efficiency
Replace/Terminate/Buy Insurance

STEP 4: ESTATE PLANNING

Set Up Legacy Strategy
Review and Coordinate with Attorney to Create Trust, Will, or Special Trust
Review Power of Attorney & Health Care Docs
Review Beneficiaries on All Accounts

STEP 5: REVIEW & GENERATIONAL PLANNING

Review all Changes & Items Implemented
Make Adjustments as Needed
Checkup and Credit Risks
Review Legacy & Inheritance Plans
Set up Family Meetings & Workshops

STEP 6: ONGOING

Review the Plan, Life Events & Accounts to Keep you on track
Review ID & Credit Risks
Review Current Tax Situation
Review SSA Statement 401k Plan, Other Accts
Review Cash Position