You are a mid-life professional within a few years of a major life transition, perhaps a career change, retirement, or divorce. You are the financial decision maker, have accumulated a minimum of $500,000 of investable assets, and are looking for a professional partner to help you align your money with meaning.
With my financial planning process, you'll be able to create a life, not just make a living, because you'll make financial decisions with your heart as well as your head
My approach concentrates on 3 principles:
Lasting change comes from a place of inspiration, not effort.
I will help you author a vision of your life that you feel pulled to move towards, rather than pushed to accomplish. I will create a safe space where you can identify the values that guide you, and support the alignment of your spending with those values.
Money and emotions can be understood - not separated.
The money stories that you inherited from your family, community and culture shape your current money beliefs and behaviors. Together we will explore the stories that keep you stuck in ways that no longer serve you.
Life balance is a necessary part of financial wellness.
We will plan for your retirement, make sure your estate plan is up to date, and see that you have adequate insurance to protect the ones you love. But financial security alone cannot buy life satisfaction and a sense of purpose. Physical, emotional and spiritual needs, as well as financial assets, are an integral part of your life portfolio.
The plan we create together will create balance in how you allocate your scarce resources of both time and money in order to experience a life of True Abundance.
Services & Fees
My compensation is based solely on the advice I provide. I will never sell you a product other than holistic financial planning, nor will I take a commission or a referral fee from any other professional. My commitment is to serve as a fiduciary, meaning I work on your behalf of your interests only. I am committed to providing objective, unbiased advice at all times.
Most advisors charge an assets under management fee between 0.8% and 1..5% a year, or $8,000 to $15,000 for a $1 million portfolio. My flat, monthly subscription fee is often materially lower than the AUM model, aligns my incentives with your interests and removes any bias towards having you invest even when the money can be used elsewhere.
The fee, based upon assets under advisement, is listed in the schedule below. The first three months are paid upfront upon the signing of an annual financial planning contract. Thereafter, the fee can be paid quarterly or monthly either out of your assets or your cash flow depending on your preference. There is an additional .275% fee for assets managed by True Abundance Advisors.
|Assets Under Advisement||Monthly Cost For One Person||Monthly Cost For Couples|
|$0 - $500,000||$415||$540|
|$500,001 - $1,000,000||$625||$625|
Depending on the complexity of your planning needs, your fee could be higher or lower. Your fee is guaranteed for two years once we start working together.
Before I look at any bank statements, insurance policies or tax returns, we first get clear about what you value, what you stand for and, based on those foundational truths, your short and long-term financial goals.
Together, we get a sense of what you truly want from your life and from your money. Then, armed with these insights, we create a comprehensive, fully customized financial plan that moves you toward your goals. making sure that you are adequately protected from the potential impacts of unexpected life events and market downturns.
The questions I answer include:
Cash Management Planning
How can I create a cash flow plan that allows me to enjoy life now while still working towards my vision and goals?
How can I use investment strategies to provide me with the financial resources I need to reach my life goals?
How can I build a foundation for independence and freedom to enjoy life as I get older?
Risk Management Planning
How can I protect myself and my family from unexpected obstacles or events that might take us off track from reaching our visions and goals?
How can I communicate my wishes and provide peace of mind to my family if I become incapacitated or after I die?
How can I be sure that none of the financial strategies we put in place for helping me to reach my vision and goals will trigger excessive tax liabilities that might take me off track?