Ongoing Planning:

Thoughtful Journeys

HOLISTIC PLANNING & INVESTMENT MANAGEMENT:
Life is an ongoing process and so is effective financial planning. While many of us have great intentions about managing our financial lives, rebalancing our investments, etc., but with everything else on our plates, we tend to fall short when it comes to actually doing it on a regular basis, with a consistent strategy.

Thoughtful Journeys is holistic, broad-ranging, long-term, ongoing financial planning, coaching, and investment management for a monthly fee.

Thoughtful Journeys includes, at a minimum, the following:

Initial meeting (meetings may be in person or virtual) – up to two hours
Follow up meeting to deliver and discuss initial recommendations – up to 120 minutes
Written financial planning recommendations (paper and/or electronic) – updated annually
Follow up meetings are scheduled online by the client as needed or preferred, but at least 1 time per year. Although we may meet more frequently in the first few months, meeting 4 times per year is typical to check on progress and adjust recommendations as life, financial or otherwise, continues to evolve – meetings are generally 60-120 minutes long
Regular accountability check-in emails to help client stay on track are available upon request
Phone or email access to answer questions
Ongoing non-discretionary investment management
Ongoing access to me to help address questions affecting your financial life as they emerge

Generally the monthly fee for Thoughtful Journeys will be the larger of:

1% of the balance of your total savings and investment assets, divided by 12 (discounted rates apply on asset levels over $1,000,000 click here for details, refer to pages 7-8). The monthly fee is recalculated annually.
Or
$273/month for a single person, $381/month for a couple (or for a married person planning individually).

Project based Planning:

Thoughtful HOurs

HOURLY LIMITED SCOPE PLANNING:
For those who prefer an hourly billing approach and/or work of a more limited scope, financial planning services are also available at an hourly rate of $412 per hour.

Thoughtful Steps

FLAT FEE LIMITED SCOPE PLANNING :
Thoughtful Steps is limited term project-based planning and consulting for a fixed fee. There are 5 tiers of this service:

First Step Initial Consultation: A flat fee of $206 (half the normal hourly rate) for a one-time, 1-hour introductory planning consultation: Available only to new clients. We will meet to discuss a new client’s concerns, what working together might look like, and whether working together further makes sense/would be a good mutual fit.
Tier 1: A flat fee of $832 for planning/consulting of a scope that would be appropriate for us to attempt in 2 billable hours.
Tier 2: A flat fee of $1,648 for planning/consulting of a scope that would be appropriate for us to attempt in 4 billable hours.
Tier 3: A flat fee of $3,296 for planning/consulting of a scope that would be appropriate for us to attempt in 8 billable hours.
Tier 4 - Custom: A negotiated flat fee based the estimated number of billable hours required to complete the planning work requested. The fee will be agreed upon prior to entering into an engagement.

Advisory fees will be agreed upon in advance. Thoughtful Journeys minimum fees and Project-Based Planning fees (whether hourly or flat fee) increase each year to keep pace with inflation and/or increased costs of doing business, typically at 3% per year, although the rate may vary as conditions vary. Lower fees for similar services may be available from other sources. The fees for Thoughtful Journeys are separate from, and in addition to, any trading or transaction costs. These costs may vary and are generally paid by you directly to the institution where the assets are held.

For additional detail about our financial planning and investment management services, please refer to the Firm Brochure & Supplement Disclosure - Form ADV Parts 2A & 2B and Client Advisory Agreement & Privacy notice on my Disclosures/Forms page.