Our Financial Planning Process

We seek to create deep relationships with our clients and work together over the long term as life and plans change. We work with clients and other professional advisors to model various scenarios as life unfolds.

Arete - Financial Planning

The two distinctive features of our financial planning process are the emphasis on cash flow and risk management.

Some of the topics we may cover in our work together include:

  • Tax analysis
  • College planning
  • Retirement income planning
  • Estate planning & wealth transfer
  • Debt reduction analysis
  • Risk management analysis

Working Together

Quality financial advising includes both a trusting relationship and a research-backed financial plan. To accomplish these goals, we work with clients over a minimum 12 month period. In addition to email and phone support, we meet with clients regularly, as outlined below.

 

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We encourage you to complete our brief questionnaire and we shall be in contact to schedule a complimentary forty-five minute initial consultation to determine whether our firm is the right fit for you and your needs.

Fee Structures

We offer financial planning services on a retainer or investment-based fee structure.

We do not require a minimum net worth, income, or investment amount in order to obtain financial planning services. We do not earn commissions on the sale of investment products. Financial planning and investment advice are what we ‘sell’ – our goal is to help you achieve your goals.

Fees start at $200 a month for our monthly retainer financial planning service, depending on the complexity of a client’s financial affairs.

Some of the factors that determine engagement pricing include:

  • Complexity of objectives
  • Marital status
  • Family size
  • Diversity of income sources and investment holdings
  • Size and physical location of assets
  • Citizenship/Residency status
  • Special situations (divorce, refinancing, large inheritance etc)

Under this structure, fees are computed as an annualized percentage of assets under management on a sliding scale.

We offer clients two investment-based fee options: directly managed and 3rd party money management. Directly managed accounts utilize our proprietary investment allocation models. You may choose to use or we may advise using a 3rd party managed account depending on your needs and objectives.

Total Assets Under Management

Directly Managed

3rd Party Managed Account

 $100K – $300K  1.35%  0.8%
$300K – $500K 1.15% 0.9%
$500K – $1.0M 1.0% 0.75%
$1.0M – $3M 0.85% 0.65%
$3M – $5M 0.70% 0.55%
>$5M Negotiable Negotiable

 

The fee is payable quarterly in advance. The first payment is due immediately and assessed pro-rata. Subsequent payments are due and assessed on the first day of each quarter based on the value of the account as of close of business on the last business day of the preceding quarter.

These fees are for advisory services only and do not include any transaction fees or commissions, which may be charged separately by the trading/custodial firm.