Service And Fee Explanation

We offer exceptional services at very reasonable rates

Our Services and Fees

We are a fee-only firm and use a simple ‘flat fee’ structure.

Service 1. Comprehensive Financial Planning: Short-Term Engagement.

  • Intended for clients who want a financial plan without a long-term commitment.
  • Planning services can be comprehensive or limited in scope depending on client needs.
  • Streamlined, structured process for in-person or remote planning.
  • Three-month collaborative process with an unlimited number of meetings, calls, or emails.
  • Many clients choose this service before engaging in an ongoing arrangement (detailed below).
  • Elements of our comprehensive plan include:
    • Employee Benefits
      • Thrift Savings Plan (TSP), Foreign Service pension, health insurance.
    • Retirement Planning
      • Retirement timing decisions and scenario modeling.
      • Retirement cash flow to illustrate income from FS pension, Social Security, TSP, and other sources.
      • Are you saving enough, or perhaps too much at the expense of other goals?
    • Investment Planning
      • TSP, IRAs, taxable accounts, old 401(k) and 403(b) accounts.
    • Home Ownership
      • Buy vs. rent, absentee homeowner issues, rental property.
    • Insurance Planning & Risk Management
      • Life insurance, disability, personal and professional liability, LTCi.
    • Education Funding
      • How much to save.  How to select, setup, and manage a 529 plan.
    • Estate Planning
      • Guidance on wills, trusts and beneficiary designations.
    • Tax Planning
      • Income tax planning, tax domicile, and residence.

Fees:

Financial planning fees are based on a combination of factors such as client’s age, marital status, employment status, and overall financial complexity.  We have worked with hundreds of Foreign Service professionals and our fees are considered to be quite reasonable.  Please schedule a free consultation for a fee quote.

Service 2. Wealth Management: Ongoing Financial Planning With Portfolio Management.

After completing a comprehensive plan, many clients want to maintain an ongoing relationship with us.  Our ongoing service includes:

  • Ongoing financial planning.
  • Periodic reviews to keep you on track to achieve your goals.
  • Investment management by our highly experienced team.
    • Portfolio selection, implementation, and monitoring.
    • Quarterly performance reports.
    • Access to our new client dashboard (coming early 2018).

Fees:

Fees for ongoing services are based on a percentage of the assets under management (AUM).  This means that fees are based a percentage of your portfolio that we manage.  We do not base our fee on your total net worth or your total investments – only on the portfolio we manage.  This fee covers portfolio selection, implementation, and monitoring as well as all ongoing financial planning services.  In our opinion, this is the most cost effective fee arrangement for clients.  Our maximum AUM fee is 1% and decreases with increasing portfolio value. Details provided upon request.

The Value Added of Financial Advisors

For an insightful discussion of the value provided to clients through ongoing wealth management, please read this article from Vanguard.