Investment Management Discretionary Portfolio Management - Account Set-Up & Funding
- Risk profiling process that is scientifically developed and psychometrically valid (why is this important?)
- "Lifetime income planning" analysis to balance the trade-off between tolerable risk and required risk (view sample report)
- Implementation using low-cost ETFs
- Periodic account rebalancing
- Low management fee on a sliding scale ($250/quarter minimum)
- Management of liquidity needs (cash inflows and withdrawals)
- Online "time-weighted" performance and tax reporting
- "Lowest gain" tax lot bookkeeping on taxable accounts
Financial Planning Services Retirement Scenario Planning - Each scenario illustrates the outcome and percentage likelihood of achieving your retirement goal based on a set of assumptions
- Answers to questions such as: Can we afford to retire? How much
do we need to save? Will we outlive our money? - Risk analysis utilizing actual historical returns, "bad timing," and statistical Monte Carlo analysis
Education Funding Analysis & Recommendations - Cost projections based on desired school/degree
- Required savings calculation (lump sum and/or regular investment)
- Recommendation of specific savings account vehicles/types
Life Insurance Needs Analysis - Evaluation of required life insurance amount (both spouses)
- Discussion and recommendation of appropriate insurance type
- Illustrations showing additional insurance required and cash flow
that existing insurance will cover
Employee Stock Option Analysis - Analysis of Incentive Stock Options (ISOs) and Non-Qualified
Options (NQOs) - Sensitivity analysis illustrating the potential decrease or increase in option value based on hypothetical rise and fall of stock price
- Recommendations regarding option exercises and sale of stock
- Educational discussion regarding risks and tax considerations
Note: Our financial planning services are available only to our investment management clients. | 
