We have three different services that can be combined or selected independently, to address different areas of your financial life.
Depending on your situation, these services can be combined or selected independently. For example, if you do not have in-depth planning needs, we can just manage your investment accounts. Or if you want help with your taxes, we can start by just preparing your returns. We are flexible with how our services are combined. We want what is best for our clients, including only providing services that they need and will get value from. To discuss which of our services may benefit you and your unique situation, feel free to schedule an intro call.
Financial Planning
Questions you may have:
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How do I create and stick to a budget?
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Do I need more life insurance?
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What do I do with my employer stock options?
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Should I convert my Roth IRA?
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Should I contribute to my employer retirement plan or a Roth IRA?
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How do I manage my student loans?
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I just received an inheritance, what should I do with it?
Our financial planning service will answer these questions and more. We work with you to establish your financial goals and develop strategies to achieve them. We will review a variety of financial planning topics, including: budgeting, planning for major purchases, saving for college, retirement planning, investment positioning and strategy, debt management, insurance, estate planning, tax planning, employment benefits, stock options, Roth conversions, inheritance planning, student loans.
We will have several meetings with new clients to develop a financial plan. After initial onboarding, we will periodically review every area of the plan with you to ensure we are on track to achieve your financial goals.
We have a number of blog posts about financial planning. They cover the topics that we help our clients with. If you are interested in reading some of our financial planning specific blog posts, click the link below.
Fees: starting at $100 / month. Factors that may cause the fees to be higher include: complex employer stock option situations, complex tax planning situations, or other especially complex planning needs. Financial Planning can be combined with Investment Management or selected independently. When combined with Investment Management, the Financial Planning fee can be waived at our discretion.
Investment Management
Questions you may have:
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Is my portfolio diversified?
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Should I own gold?
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Should I buy cryptocurrency?
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Is my portfolio appropriate for the level of risk I want to take?
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Should I own individual stocks or mutual funds?
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Should I own foreign stocks?
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The stock market seems really high, should I sell?
Our investment management service will answer these questions and more. After understanding your goals and preferences, we decide on an asset allocation that is best for you. You will then give us authority to make trades in your investment accounts, so that we can select the individual securities, execute the trades, and make adjustments as necessary.
The investment decisions we make for clients are guided by our investment philosophy (click link to learn more).
We have a number of blog posts about investing. They cover the topics that we help our clients with. If you are interested in reading some of our investment specific blog posts, click the link below.
Fees: a blended fee that is calculated based on total assets being managed, starting at 0.95% / year. The fee decreases as total assets being managed increases. Investment Management services may be combined with Financial Planning or selected independently. The Financial Planning fee can be waived at our discretion.
Tax Preparation
Questions you may have:
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Do I qualify for any special deductions or credits?
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How to file information about my rental property?
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What do I do with this K-1 from a partnership?
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Do I need to make estimated tax payments?
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How do I file my investment income?
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Can I deduct business losses?
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How do I account for renting out a room in my house?
Our tax preparation service will answer these questions and more. We prepare many types of tax returns, including returns involving: rental property, investment income, Roth conversions, pass-through entities, passive income losses, etc.​
If we are also helping you with your financial plan or investing, we are already well informed about your financial situation, meaning we can prepare your taxes efficiently.
We have a number of blog posts about taxes. They cover the topics that we help our clients with. If you are interested in reading some of our tax specific blog posts, click the link below.
Fees: starting at $400 / year for a basic return including portfolio income, itemized deductions, and one state return. In general, there are flat fees for each additional sources of income: rental property is additional $100, K-1 is additional $50, Schedule C is additional $100. Other unusual sources of income or deductions may also impact the fees. Tax preparation fees are agreed upon in advance and due when the return is filed.
