How are we paid?

We are paid fees for financial plans to cover our time and expense to gather and analyze facts, communicate with CPA’s and Attorneys, and provide written recommendations to help you reach your goals. We are paid commissions by insurance companies when insurance products are needed, and are paid management fees by investment firms.
 
Transactional Work:
 
No fees are charged in situations where you only need help establishing an account, such
as with a retirement account rollover, or the purchase of a life insurance policy. This requires little additional time on our part, and little analysis of your situation. We are compensated by commissions on insurance products, or ongoing management fees inside investment accounts.   All costs are disclosed in advance. 
 
Fee Based Planning:
 
Appropriate in situations where you need help analyzing your current situation to determine
the best course of action to help you reach your goals. Fees are commensurate with the expected complexity and time involved.  The planning process provides clear, written recommendations to guide you each step of the way. We provide planning and ongoing support in three main areas:
 
  • Personal Financial Planning; includes Cash Management, Income Tax, Investment Selection, Accumulation Goals, Financial Independence, Risk Management, College Funding, Estate Distribution, and Business Interests.
 
  • Business Financial Planning; includes Financial Ratios, Business Valuation,       Recruit/Retain Employees, Key Employee Compensation, Employee Benefits, and Exit Strategies for Owners.
 
  • Wealth Management; includes Investment Selection, Risk Tolerance Evaluation, Investment Taxation, Cash Management, Monitor/Report on Investments, and Estate Distribution.
 

Standard Fee Schedule

 
  • Initial Consultation                                            No Charge
  • Comprehesive Personal Plan                        1% of AGI, $1,500 minimum fee
  • Comprehensive Business Plan                    $200 per hour, $1,500 minimum fee 
  • Wealth Manangement Plan                            $950       Review and set-up 

     

 
 
Matt MacWilliams, Investment Advisor Representative*
 
Part of a firm with over 60 years combined experience, Matt is an Investment Advisor Representative and a current student in the UT Certified Financial Planner Certificate Program.  He has the training, experience, and team support to help you avoid the pitfalls of poor planning.
 


How can we help you?