“You’ve got to tell your money what to do or it will leave.” –Dave Ramsey
Fee-Only, Fiduciary Advice
Cash Flow
What should I best do with my monthly income?
Insurance
Planning
How do I protect what I have?
Investment
Management
How do I make my money work for me?
Retirement
Planning
How can I affect my future lifestyle now?
Tax
Planning
How do I keep more of what
is mine?
Estate
Planning
What will my legacy look like?
Family
Finances
How do I best set up my child's success? My parents'?
Corporate
401(k) Advice
How can I help my employee's retirement?
Public
Speaking
How can I get you to speak to our group/audience/podcast?
FOUNDATIONS SERVICE PLAN
*Assets Under Management fee does not apply to Altruist Cash Accounts or 529 plan assets.
For Households building Wealth and establishing Financial Stability
Services May Include:
Comprehensive Financial Plan (initial + annual update)
1–2 Planning Check-ins per year
Portfolio Management (basic allocation + retirement accounts)
Cash Flow, Debt Reduction, and Savings Strategies
Retirement & College Savings Planning
Guidance on Employer Benefits (401(k), HSA, Roth IRA, etc.)
Basic Insurance Review (life, disability, health)
Basic Estate Planning
LEGACY SERVICE PLAN
*Assets Under Management fee does not apply to Altruist Cash Accounts or 529 plan assets.
Tiered Schedule: 0.60% first MM, 0.40% assets above $1 MM.
For Households with established Wealth and Complex Planning Needs
Services May Include:
Comprehensive Financial Plan with quarterly reviews
Advanced Portfolio Management (rebalancing, tax-loss harvesting, risk alignment)
Proactive Tax Strategies (Roth conversions, charitable giving, NUA, etc.)
Estate and Legacy Planning Coordination (with attorneys/CPAs)
Business Succession & Concentrated Stock Strategies
Real Estate and Alternative Investment Integration
Philanthropic and Multi-Generational Planning
PLANNING-ONLY LEGACY OPTION (no AUM fee or management): $3,600/year ($300/mo)
Project Financial Planning
One single analysis and financial plan without ongoing advice or support.
Rates are variable based on income and complexity of your situation. Suitable for individuals who only want a "snapshot" financial plan as a one-off engagement, or as an initial plan paired with ongoing investment management.
Corporate 401(k) Management
This is the discretionary management of money into assets in an investment account at a third-party custodian.
Fees above are annual and billed on a monthly basis to the managed accounts.