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  Professional excellence

  Financial plans are always completed by Certified Financial Planners (CFP) who all have at least a BA/BS and we require at least 60 hours of continuing education per year.

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  Cutting edge technology

  As a smaller company, freed from the bureaucratic gridlock of most large institutions, we implement the newest technology years before most of our competitors to build your plan with the best available tools.

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  Discretionary investment management

  We take the additional care and liability to manage your investments with discretion, which means that we make changes to your accounts when they need rebalanced, without bothering you, and we take personal responsibility rather than asking our clients to rubber stamp every decision to avoid responsibility.

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  Fee-only & a Fiduciary

  Fee-only means that we only accept compensation from our clients and do not accept compensation from 3rd parties and, as a fiduciary, we always represent our clients’ best interests 1st.

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  Freedom: Hire us on your own terms

  Whether you want a one-time fee for advice/plan or want to hire us for the long-term, you are free to choose from multiple plans under either arrangement that fits your particular need.

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  Transparent pricing

  We are open and transparent in our pricing. We disclose our fees and help our clients to understand their total costs  so they can accurately judge the value of our services.

  Click here for on-going client pricing (Option 2).
  Click here for flat-fee pricing (Option 1).

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  SS Maximization Plan

  We will evaluate your benefits, test all 567 strategies and advise you on your best filing strategy.

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  Manage Investments Directly

  We watch your investments closely and manage with discretion per your investment objectives. You may use any custodian that you prefer, however, most of our Gold clients prefer to use preferred custodians because of the inherent cost savings.

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  Discretionary investment management

  If you have more than $500,000 in Assets Under Management (AUM) with us then we will pay for your tax preparation if you use one of our partner accounting firms.* If you are below our asset minimum or you would rather use your own accountant, we will coordinate with your tax professional to align your investment and tax strategies and streamline your tax preparations, however, their bill will be at your own expense.

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  Comprehensive Financial Planning

  Including Education, Retirement, Executive, Business, and Estate Planning.

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  Tax Loss/Gain Harvesting

  In coordination with your tax professional, we will try to maximize realizing gains and losses in your portfolio at advantageous times.

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  Estate Planning

  If you have more than $750,000 in AUM with us then we will help you to build your estate plan and pay for your estate planning documents if you use one of our partner law firms.** If you are below our asset minimum or you would rather use your own law firm, we will coordinate with your attorney to design and implement your estate plan, however, their bill will be at your own expense.

• You have $100,000 in AUM in a University 403b with TIAA CREF then you would pay:
  • $250/mo. via PayPal from any credit card, checking, or savings account of your preference.
  • Plus 1% of $100,000 out your accounts, which comes to $250 deducted quarterly.+
• You , as a household, keep 750,000 in AUM in various accounts through TD Ameritrade then you would pay:
  • 1% of $750,000 out of your accounts, which comes to $1,875.00 deducted quarterly.+

+This is an example for illustrative purposes only and your account value(s) will fluctuate over the year giving slightly different charges based on market performance.[/text_block]