Where Do You Fit In?
Starting out.
You have begun your career, have a 401k at work, might have some student debt or other headwinds you would like to eliminate, maybe want to buy a house, maybe take a trip around the world. You would like to know the long term impact of today’s choices.
Catching your stride.
You have assets, but may not know how they work, which ones you pay tax on, which ones you don’t. They may be scattered at different places from old jobs. You are confident in your career, might have a kid or two, and are thinking how to best align your money with your goals.
Moving on.
You may be ready to hang up the towel, try a new job, quit altogether, start a business. Is your money ready for you? Do your income sources stand up to your expenses? Whatever your next phase, find out if you can take the risk.
What We Offer
Financial Planning
Financial planning begins with awareness and continues with action. You want to live your life today knowing you have taken care of tomorrow, but you are afraid you are making a mistake.
You want to be confident about your income, savings and investments, but aren’t quite sure how those pieces fit together. You want to know “your number” but what does that even mean?
You are ready to take the steps beyond money in and money out. You want to have the freedom of choice that comes with financial security.
How much does it cost? Fees depend on complexity. They range from $1,5000 to $4,000.
Asset Management
We build fully diversified, risk-adjusted impact portfolio that with strong foundations in environmental, social and governance (ESG) screens. In plain English, this strategy aims for growth, as the purpose of your portfolio is growth, with…
ESG outperforming in COVID: Oil and gas and energy — fossil fuel free = reduced allocation to energy: that sector down 60%, ou miss that headwind. Energy has not bounced back. Less obvious:
Well governed companies have more contingency plans, more resilient, more conscientious hiring and employee practice (more living wages). Creative destruction, space to change. Prudence portfolio management does not need to sacrifice impact.
First Time Engagement
$1,500 - $4,000; Complexity-Driven
We work with you for a period of months, not just a finite set of appointments that may not fit in with your planning concerns.
Continuing Clients
$750 - $2,000; Complexity-Driven
This is for you if you have gone through the initial planning engagement and would like to continue to retain us for once or twice yearly meetings.
Asset Management
This is for you if you would like us to continue to manage your investment. We offer portfolio construction, maintenance and ongoing supervision. Our portfolios are tailored to your needs and goals, including impact investing and core indexing. We base our decisions on your risk tolerance and tax profile, not on standard models. Included in our fees are any required planning services.
For more information, please see our profile here.