Your portfolio’s asset allocation is a major factor in your returns, so that’s our focus. And we’ll proactively manage your investments as the markets change.
Your 401(k) plan may be one of your largest investments and should be incorporated into your retirement planning and managed as part of your overall portfolio. We can take advantage of the best options available through your employer-sponsored plan and balance them with other assets that are not available within the plan. You may also be eligible for an in-service withdrawal or a “brokerage window” that would allow us to expand your investment options. In some cases, including some TIAA and Fidelity plans, we can even deduct our fee on a pre-tax basis right from your plan.
As a fee-only firm, we don’t accept compensation from anyone but our clients. Given that, our incentive is to find the lowest cost options for you. Typically, we save our clients a good portion of our fee by using very low cost investments not available to individual investors.
The annual investment management fee covers portfolio management as well as our financial planning services.
Minimum Portfolio $500,000 (includes combination of IRAs, 401(k)s, educational funds, joint accounts, etc.)
Minimum annual fee $5,000