WealthCare™ Financial Planning Services

We offer a range of financial planning services that are geared to providing you with actionable advice and resources needed to answer your questions and move you toward your goals.

We offer standalone, limited-scope projects as well as programs that offer more detailed analysis on multiple topics and can include investment advice for client-directed accounts, tax planning, tax preparation and ongoing support throughout the year.

You don’t have to sort through these options and decide on something before you contact us.

If we have an idea of your situation, we can quickly point you in the right options, and that’s usually the best way to find out about how our services can best address your needs.

WealthCare™ Modular Planning Solutions

Effective November 15, 2022

Our goal is to provide practical advice that is accessible to individuals and families with a range of incomes and net worth.

These personal financial planning services are available to individuals, couples or families. These financial planning bundles are offered at a flat rate that may be negotiated or combined. You may choose an hourly rate arrangement but prior to engagement we will provide you with a maximum fee for one of the flat-fee project options. If we find that you are approaching that fee quote, you will have the option to convert to the fixed-fee option so that your planning service fees are capped.

Clients may choose to begin with a single-topic or limited-scope project and later opt to extend their arrangement to the more comprehensive Retainer Programs.

If you choose to upgrade from a single-area or limited project bundle to a higher value program within three months of your initial project, a portion of the fee paid will be credited toward your next planning project (generally 90%).

Fixed- or flat- fee projects are based on a scale that factors in the complexity of the project and your personal circumstances. We generally base these fees on your income and reported net worth.

Fees for projects assume automatic renewal annually, unless canceled. If projects are not contracted with annual renewal, then initial fees will be quoted at a higher fixed-fee price (on average 10% rounded up to the nearest $50).

We also offer flat fee projects that may be payable in installments.

LIMITED-SCOPE or COMPREHENSIVE with ONGOING SUPPORT

Silver Level (3 key topic areas): $2,000 * – minimum fee

Gold Level (4 key topic areas): $3,000 * – minimum fee (may include Investment Advice for client-directed implementation on client’s custodian platform without separate Asset Under Management advisor fee)

Platinum Level (8 key topic areas): $7,500 * – minimum fee (may include advisor-directed Investment Management through our custodian partners without separate Asset Under Management advisor fee)

* Clients will be provided with a fee quote for initial and ongoing programs based on reported income and net worth.

Hourly Rate Option (3 hour minimum or $360 minimum fee, whichever is higher):

Call for Special Rate for gross income up to $50,000 and/or net worth up to $100,000

$120 per hour for gross income up to $120,000 and/or net worth up to $250,000

$150 per hour for gross incomes up to $150,000 and/or net worth up to $500,000

$200 per hour for gross incomes up to $200,000 and/or net worth up to $1M

$250 per hour for gross incomes > $200,000 and/or net worth > $1M up to $2.5M

$300 per hour for higher incomes or net worth or special projects not otherwise listed

Rates, fees and project types are negotiable and subject to change.

Note on Time Estimates for Certain Limited-Scope Projects:

Portfolio Lab Analysis generally involves at least five (5) hours of professional time
RetireRight™ Reality Check generally requires twelve (12) to 15 hours
Cash-Flow, Credit, Real Estate Analysis, Insurance Review, or Social Security Claiming Strategy projects generally require at least three (3) hours

Other services or combinations are available and may be arranged based on a separate negotiated flat fee or our prevailing hourly rates. Project quotes expire after 30 days. Fees or rates are subject to change from time to time up until we receive a completed service agreement and deposit. You may also be responsible for third-party expenses incurred, credit card processing fees, courier or delivery, parking and conference room rental charges if applicable. A technology or third-party software fee may also apply (estimated at $50 to $300 depending on project type). Installment billing and credit card payment options are available.

“Get Acquainted” Conference Call

FREE

30-to 45-Minute Conference Call
Introduces the Practice and Process
Get Acquainted
Review FAQs About Advisor
Outline Planning Options
Receive initial quote for service options
Fee credited to another program selected

In-Person Evaluation Meeting $360

Meet at one of our offices or at your home
Evaluate your situation and offer suggestions or resources
Designed to help you choose a plan program and outline a scope of engagement
Between 2 and 2 1/2 Hours with a CFP® Professional
May be credited towards another program

Working Strategy ‘Brain Storming’ Session (Bronze Level)

Starting at $800 (One Topic) / Add $400 per Topic for Optional Ongoing Support

Client home or our office
Up to 3 hours with a CFP® Professional plus follow-up call/email
Evaluate client-provided data and provide analysis with recommended action check list
Ideal for single-topic tax planning related issues
Limited notes and deliverables
For clients seeking immediate answers and actionable advice
May be credited towards another program

WealthCare™ Financial Wellness Tune-Up (Bronze Level)
Starting at $2,800 with One-Year Support for Initial Program

Broad review to determine current financial position including net worth
Identify your financial strengths and weaknesses in up to 13 key areas (including taxes, insurance, investments, credit and estate planning)
Includes meeting notes, resources and action checklist
Multiple strategy sessions included
Professional advisor time for base plan estimated at ten (10) hours overall over course of year
Base plan includes follow-up “Coaching Calls” and email support

Budgeting & Cash Flow Planning
starting at $800

Review your income and expenses
Establish realistic household spending plans
Set up automatic savings and retirement contributions
“Coaching Calls” and email support for up to three months

Debt-Buster™ Program
starting at $800

Review your income and expenses
Establish a realistic cash flow plan
Assess credit scores, recommend and model actions to improve
Create an accelerated debt payoff schedule
“Coaching Calls” and email support for up to three months

Newlywed Package
$2,000 with one-year of support

Designed for first time marriages
Adaptable to second marriages
Focus on identifying money personalities, styles and combining assets
Establishing a realistic Household Spending and Savings Plan
Help with employer-benefit selection
Insurance and Estate Needs Analysis
Budgeting and Cash Flow Planning
“Coaching Calls” and email support before and after the wedding

Insurance Review
starting at $600

Receive estate planning guidance
Review current insurance policies for gaps in coverage: homeowners, life insurance, short-term and long-term disability, long-term care
Estimate life and disability insurance needs
Evaluate options and implement recommendation

CollegeCare™ – College Funding or Financial Aid Planning
Starting at $300 for the Parent Resource Kit

Tuition Buster™ Advisor-Support Programs Start at $900 Plus $350 per Student

Determine college education needs
Determine Expected Family Contribution (EFC) and strategies to improve needs-based aid
Tax planning strategies to lower college costs
Evaluate and recommend appropriate savings amounts and investments

CollegeCare™ Financial Aid Form Preparation & Assistance: $300
CollegeCare™ Strategy Session: $750
CollegeCare™ Cash Flow Planning with EFC Plus (review of loan options): starts at $500
Tuition Buster™ Programs – planning with advisor support: starts at $1,250 for one student
- College Income/Asset/Tax Plan with Family Funding Analysis
- College Cost Comparison Reports
- Financial Aid Analysis with EFC Before and After Scenarios
- College and Retirement Readiness Check – an integrated review of goals
- Customized Scholarship Search with reference resources
- 529 Plan Portfolio Lab Analysis
Click here to download TuitionBuster Program Comparison Sheet

For More Details on College Financial Planning and Options, visit CollegeCashPro.com

Stock Option Advisor with Tax Planning
starting at $800

Monitor, track and model your stock options, restricted stock units and SARs by exercise dates
Model tax impact and recommend applicable tax-reduction strategies
Evaluate exercise strategies and tax impact

RetireRight™ SSI Analysis: Social Security Claiming Strategies or Pension Choice Election
Base Fee starting at $800

Evaluate options to maximize Social Security through elective switch strategies
Evaluate pension election choices for benefit level that supports your retirement goals
Review of income tax impact

RetireRight™ Retirement Readiness Reality Check-Up
$3,000 with annual support

Focus on questions like: Can I Afford to Retire? Will I Run Out of Money?
Document goals, retirement lifestyle budget and life expectancy
Prepare retirement cash-flow projections
Includes RetireRight™ SSI Analysis to maximize Social Security and pension benefits
Determine your appropriate Risk Number for investments
Complete Portfolio Lab Analysis to determine if portfolio risk matches Risk Number
Prepare and evaluate multiple ‘What If’ scenarios using various modeling tools to determine range of confidence levels to answer whether or not you are on track
Determine portfolio income needs and provide sustainable withdrawal rate with strategies
Optional Comprehensive Financial Wellness Check-Up for additional fee
Optional periodic monitoring, reporting and updating and access to client dashboard software available for additional fee

Portfolio Lab Analysis with Personalized Recommendations
Fixed Fee starting at $600

$600 up to $300,000 of investment assets or
0.20% of investment assets > $300,000 with minimum fee of $800
Call for Rate on Assets above $2M
Analysis of all holdings in a portfolio (taxable or retirement)
Determine appropriate benchmark for tracking
Evaluate optional asset allocations for improved returns and/or lower volatility and risk of loss
Research on current and prospective investments
Detailed risk- and performance metrics
Personalized report with recommended changes (call for fixed fee for investable assets over $2M)
NOTE: Optional on-going analysis with recommendations for self-directed investors to implement on custodian of their choosing available at a fixed fee based on a rate ranging from 0.10% to 0.20% of asset balance plus any applicable base fee. Service subject to a minimum fee of $950. Rate will depend on composition and liquidity of assets as well as custodian platform.

Estate Plan Navigator Services
starting at $750 when not combined with other services

Work with an Accredited Estate Planner® providing guidance and education on your options
Assistance with data interview
Guidance through online data gathering
Review and coordination with drafting attorney
Assistance with implementation and funding of trusts
Secure online storage for access when needed
For More Details on Estate Planning Services, Click Here: Estate Plan Navigator

TaxSmart Tax Preparation Bundles
starting at $800

Federal 1040 with one state
Additional fees for additional forms, schedules and states
Business, Estate, and Trust Returns Available at additional fee
More Information, Pricing and Bundle Coupons
Add Financial and Tax Planning Services for a Flat Fixed Fee (a modular and “lighter” version of our WealthCare Tune-Up Topics) for any two financial planning topic areas:
- Credit/Cash Flow
- Retirement or Social Security
- College & Education Funding
- Real Estate and Mortgage Funding
- Insurance
- Investing & Risk Profile
- Tax Planning
- Estate Planning Guidance
Planning and implementation support included as well as notes and Q&A support sessions to answer questions
Add $400 for each additional topic area (beyond 2)