Contact

No, we offer an initial free strategy session conducted via a 30 minute telephone or Zoom call to see if there is a mutual basis for engagement.  Ongoing fee arrangements will be discussed during the call should we decide to work together.

Yes – spouses or life partners should attend the first appointment and all appointments when important financial decisions are being made. Financial planning for couples is a significant exercise in your financial life and major decisions for couples should be made jointly.  This does not apply of course if you are in the process of getting a divorce.

To get the most from your first appointment, please have the following information available:

• your most recent income tax return
• bank balances (checking, savings, CD’s)
• brokerage accounts balances
• IRA account balances
• retirement (401k, 403b, etc) balances
• annuities
• life insurance policies (death benefit & cash value)
• real estate owned with associated mortgage information
• any other significant assets owned (business, collections, etc.)

There is no charge for the initial strategy session to see if we are a good fit to work together.

For financial planning, we charge a fixed fee to prepare the initial plan, and an annual maintenance fee to update the plan each year.

Investment advisory services are provided either on a fixed annual fee basis, or on a percentage of assets managed.

We receive compensation directly from insurance providers for annuity products, and life, disability, and long term care insurance products.

Tax returns are prepared on a fixed fee basis depending on the complexity of the return.