Together Planning serves individuals and families looking for a partner in financial planning and investing. We form strong, long-term relationships with our clients, which allows us to provide high quality advice in all areas of your financial life. As our client, you will have unlimited access to your advisor and regularly scheduled reviews to ensure your investments are in balance and your financial goals are on track. We will work alongside you with your other advisors, such as your CPA and estate planning attorney, helping you with tax and legal decisions.
Integrated Financial Planning
and Investment Management
worry less. enjoy more.
Financial Planning Topics
Cash Flow Planning
- Retirement timing and probability of success
- Retirement income planning and withdrawal strategies
- Social Security claiming strategies and pension election
Investment Management
- Review of existing investments and their costs
- Development of risk tolerance profiles and appropriate asset allocation
- Ongoing management of your investment portfolio
Tax Planning
- Tax planning strategies to reduce income taxes where possible
- Charitable giving strategies
- Planning for the sale of a business, stock options, real estate, or other special assets
Insurance Planning
- Comprehensive insurance review
- Employee benefits review and recommendations
- Long-term care planning
Estate Planning
- Identify estate planning goals
- Review of current estate design
- Determine if alternate design is more efficient based on your goals
Plan Implementation
- Account paperwork
- Tax-efficient withdrawal strategies
- Trades and money movement
- Ongoing coordination with your tax professional, estate planning attorney, and insurance agents
Financial Planning Process
Our process is designed to be flexible and customized to the needs of our individual clients. Below is an outline of our typical planning process, but we discuss what makes the most sense for your situation during our initial meetings.
Fees
At Together Planning, we value transparency. Our Financial Planning and Investment Management fees are listed below. As fee-only financial planners, we do not receive commissions or any other form of compensation from any person or entity other than our clients. Our advice has just one priority…what is in our client’s best interest.
| Assets Under Management | Annual Fee* |
|---|---|
| $0 – $1M | 1.25% |
| $1,000,001 – $3M | 1.00% |
| $3,000,001 – $5M | 0.85% |
| $5,000,001 – $10M | 0.75% |
| $10,000,001 – $20M | 0.65% |
| $20,000,001 – $50M | 0.45% |
| $50M and above | 0.35% |
*The fee is stated as an annual percentage, billed quarterly in arrears.
For some clients, a flat, annual fee that is evaluated every two years is more appropriate for their situation. We are happy to offer a flat-fee option to these clients, and strive to match our fees to the particular needs of each client.
Ready to get started?
Schedule your introductory call, where we’ll discuss your needs and objectives and whether our services are right for you.
