Advice-Only Services
Pay for the advice you need and that’s it.
$6,000 or $10,000
PlanFTW
Billed at End of Engagement
One-time Engagement
PlanFTW is typically the starting point to work with us.
That said, we make exceptions if you’ve already worked with or are currently working with an advisor.
The engagement looks different for everyone, but here’s an outline:
Free intro call
We share a formal proposal
You say yes or no
Agreements are sent, and we ask for statements/documents
We hold a deeper get-to-know-you meeting (Meeting #1)
We build out recommendations to address top concerns
Hold Meeting #2 to discuss top recommendations
We continue building out our recommendations and analysis
Hold Meeting #3 to discuss more recommendations
Hold a Final Meeting where we give you all our analyses and give you a prioritized Action Plan
We often don’t need four meetings (we only host them if necessary).
Everything to the right (or below on mobile) can be done during the one-time planning engagement.
Looking forward to meeting you!
AdviceFTW
$800 or $1,600
Billed Monthly
Ongoing Relationship
What comes after PlanFTW. Our ongoing relationships with clients provide advice and help to execute the advice.
Public Equity Optimization
RSU Tax Estimates
Trading Window Planning
Concentrated Stock Analysis
10b5-1 Plan Strategy Discussion
Multi-year Sale Strategy
Equity Dashboard
Non-Public Equity Optimization
ISO/NSO Optimization
AMT Crossover Calculations
Option Exercise Scenario Analysis
Early Exercise Strategy
Multi-year Exercise Strategy
83(b) Election Advice
Equity Dashboard
Tax Planning
Review Previous Tax Returns
Optimize Equity Comp for Tax Savings
Determine Roth vs Pre-tax Strategies
Assess Roth Conversion Strategies
Charitable Giving Strategy Discussions
Monitor Personal Income Tax Rate
Detailed Investment Analysis
Current Portfolio Evaluation
Expense Ratio Testing
Personalized Investment Portfolio Recommendations
Pre-tax vs Roth Selection Analysis
Estate Planning
Review of Basic Estate Planning Docs (Will, Trust, Power of Attorney, Healthcare Directives)
Estate Projection and Flowchart
Advanced Estate Planning
Retirement Planning
Cash Flow Planning
Financial Goals Discussion
Retirement/Sabbatical Projections
Salary & Equity Discussion
Provide Connections for Contract Review
Optimize Equity Structure Based on You
Ensure Understanding of Equity Agreements
Real Estate Analysis
Primary Residence Tax Strategy
Rent vs Buy Analysis
Analyze Investment Properties
Rental Cash Flow Analysis
Employee Benefits Optimization
Benefits Coordination Between Spouses
Provide Recommendations on Common Coverages
Insurance Review
Review Major Types of Insurance Coverages (Life, Home, Auto, Umbrella, Disability, etc.)
Connect with Insurance Professionals
Benefits of Our Services
Ultimately all that matters is the benefit you receive from our services, not the services themselves. Here are the top 5 benefits.
#1 - Understand your equity, investments, insurance, and taxes better than you ever have.
#2 - Receive communication and recommendations in plain English.
#3 - Avoid tax payment surprises.
#4 - Advice is direct, custom to you, and free from the worry we only want your portfolio.
#5 - Have a plan to accomplish what you want in life without your portfolio being weighed down by management fees.
Frequent Asked Questions
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(1) People with above DIY-level complexity and who want advice they can trust.
(2) People who want advice but don't want someone to manage their investment assets.
(3) People who want a second opinion from their current advisor.
(4) People with advanced equity compensation questions/planning needs (this might go without saying because of all of the site’s content).
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Ongoing is like getting regular car maintenance, one-time is like getting a new car. (Or like maintaining a garden vs buying veggies.)
Making smart financial decisions over time requires making a lot of decisions, followed by lots of adjustments. Ongoing helps you make good financial decisions and helps you avoid costly mistakes because we’re alongside you during the journey. One-time is beneficial because we’re able to lay out a map of where we think you should head.
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No, but we commonly start with a one-time plan. If you've already had another advisor build you a plan or you're really confident in what you've built, we can start with the ongoing service.
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The difference between the lower and higher fees ultimately comes down to the total time we need to spend to provide you with correct advice – the total time we spend completely depends on the complexity of your situation.
We won’t leave you wondering and will tell you upfront which fee will be applicable after you describe your situation to us.
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Countless ways. The biggest drivers of value are different for every client. That said, the easiest areas for us to find value are (1) we reduce/eliminate need for an advisor who bills investment accounts, (2) save tax dollars by tax planning and reviewing previous tax returns (and reduce charge hours by your CPA), (3) improve outcomes from the equity compensation you receive.
We try hard to quantify the value/savings we’re providing each of our clients as we work together. Our hope is that your net worth increases faster than it would have had you continued to not engage with us.
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We give you an action plan highlighting near-term action items, intermediate action items, and long-term action items. We also provide deliverables for other areas that are applicable to you.
From there, you can go implement on your own, choose to engage with us on an ongoing basis, or just check back in whenever you need help again.
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Let us know and we’ll stop billing. Since we bill monthly, it’s helpful if we have a 30 day notice, but we’re understanding. We’d also appreciate any and all feedback you have for us.
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This one depends on how much of the engagement we’ve completed. Usually we bill based on the percentage that’s complete - just let us know and we can have a conversation.