The Right ADVICE
Doesn’t Have to BREAK the BANK

Our belief is that comprehensive retirement planning, coupled with prudent asset or portfolio management, offers the highest probability of enjoying a successful retirement. We offer various fee methods to choose from for your ultimate flexibility.

Comprehensive Services Provided:

Market Volatility Stress Test (MVST) – We stress test your current retirement against many different market environments utilizing sophisticated technology. If necessary, proper adjustments will be discussed to increase the probability of a better retirement outcome.

Tax Efficiency Assessment – We create a tax efficient income distribution strategy to reduce taxes and ultimately increase the probability of portfolio survival.

Social Security Timing Strategy – We assess multiple Social Security filing strategies to determine the most efficient strategy to maximize this benefit.

Portfolio Analysis and Management – We create a high quality, low-cost, optimized portfolio by combining the growth potential of stocks with guarantees provided by Fixed Index Annuities.

Risk Management – We develop a life insurance and Long-Term Care needs analysis to assess and then minimize potential risks.

Ask the Advisor Service – We offer unlimited access to your retirement advisor via email or personal meetings anytime to address questions or concerns.

Three Payment Methods to Choose From:
Three payment methods are offered to provide a low cost structure that suits your individual needs. Any of the three methods below includes the comprehensive suite of retirement planning and asset management services outlined above.

Payment Method #1 – Hourly Fee
An hourly fee can be utilized to provide Retirement Planning, Financial Planning or Portfolio Management services. Hourly fee for services: $200

Payment Method #2 – Flat Fee Structure
This structure offers the ultimate in flexibility. It allows the advisor to offer advice regardless of where the investment assets are positioned. A flat annual fee will be paid to the advisor to offer the full complement of retirement planning services; Tax Analysis, Investment Management, Risk Management, as well as any other planning needs. Utilizing this structure offers ultimate flexibility since assets can be positioned in the current 401(k) or with any investment management company.

Our only goal is to offer the best unbiased planning possible as your retirement advisor.

The annual flat fee provides all portfolio management and comprehensive retirement planning services but does not include any asset management related fees which will be determined based upon the asset management and custodial company utilized.

Payment Method #3 – Asset Based Management Fee
This fee is assessed as a percentage of the investment assets under management.
It is automatically debited either quarterly, semi-annually or annually based upon the investment assets under management (AUM).

FEE SCHEDULE AS FOLLOWS:
$100,000–$249,999: 1.00% advisor fee +.40% Unified Program fee +.2687% SAM/ETF fee = 1.69%
$250,000–$499,999: .75% advisor fee + .40% Unified Program fee + .2687 SAM/ETF fee = 1.42%
$500,000-$999,000: =  .60% advisor fee + .35% Unified Program fee + .2687% SAM/ETF fee = 1.22%
$1mil – $2mil: .45% advisor fee + .25% Unified Program fee + .2687 SAM/ETF fee = .969%
$2,000,000 & above:  Negotiable

We offer “stand-alone” asset management services without additional planning services as follows:Assets Under Management (AUM)

$100,000–$249,999:  .75% advisor fee +.40% Unified Program fee +.2687% SAM/ETF fee = 1.42%

(Industry Ave = 1.85%*)

$250,000–$499,999:  .50% advisor fee + .40% Unified Program fee + .2687 SAM/ETF fee = 1.17%

(Industry Ave = 1.75%*)

$500,000-$999,000:  .40% advisor fee + .35% Unified Program fee + .2687% SAM/ETF fee = 1.02%

(Industry Ave = 1.65%*)

$1mil – $2mil:  .30% advisor fee + .25% Unified Program fee + .2687 SAM/ETF fee = .819%

(Industry Ave = 1.50%*)

$2,000,000 & above: Negotiable

*Source: Kitces, Inside Information, 2017 Planning Profession Fee Survey

There are instances where product availability under the Registered Advisor Platform is limited or non-existent. In this instance, a high quality, low-cost commission based product will be the best solution utilized. As a Series 7 registered securities representative and Life, Accident and Health insurance broker, a commission will be paid from each investment or insurance vendor based upon the product selected for the client. In this arrangement there can be front end fees, rear end or contingent deferred charges assessed based upon the product selection and company utilized to implement the plan. In all instances, any charges whether front, rear or combination will be discussed and agreed upon in advance of any product selection and transaction initiated.