Overview

I offer three different services.  The service appropriate for you will depend on how much money you have for me to start investing, and how much planning you would like for me to do.  The diagram below briefly describes which service may be appropriate for you.  For more information about each plan, scroll down (the image is not hyperlinked, I am still working on it).

What you get for all of my services

I will meet with you to understand your financial goals and needs.  If you choose to work with me, we will establish an investment-adviser contract.  I will write up a "Investment Policy Statement" (IPS) designed for you which will detail the investment objectives and a plan for action to meet your goals.  Once we have agreed upon the IPS, I will begin implementing the plan.  You and I will decide on how much control I have over the implementation plan.  Although I will invest your money, I will not have access to deposit or withdraw it.  

I will report to you the progress of our investment plan at the end of each financial quarter (Mar 31, Jun 30, Sep 30 and Dec 31).  I will also bill you for my services at that time.

For more information, contact me or ask me for my investment brochure, which carries the official and obvious title of "Form ADV, part 2." 

My fees are briefly listed below each plan.  To read more about my fees, go to Fees →.

Getting Started Plan

Minimum starting Assets Under Management (AUM):  $0.  

Fees:  2% of AUM until account reaches $10,000.  1% of AUM thereafter. 

I will help you set up a Roth IRA, and a regularly scheduled deposit scheme.  I will invest your money into broadly diversified instruments such as Vanguard Total Stock Market Index Fund.  The goal of this program will be to build an account through disciplined savings with a minimum of fees.  Once your account is of sufficient size, you can transition into Asset or wealth Management.

Asset Management

Minimum starting Assets Under Management:  $10,000. 

Fees:  $200/year up to $20,000, 1% of AUM thereafter. 

I will manage the funds in a specific account(s) for a specific goal. (i.e. long-term capital appreciation of stocks and bonds in an IRA).  Investments will be based upon your individual financial goals and needs statement.

Wealth Management

Minimum starting Assets Under Management:  $25,000. 

Fees:  $500/year up to $50,000 AUM.  1% of AUM thereafter . 

I will create for you a comprehensive financial plan incorporating your financial/lifestyle goals and your current financial condition.  I will build a mathematical model that incorporates all of your financial assets to develop a "lifetime balance sheet" and a future projection of your cash flows.  From this model, I will design an investment scenario, in order to meet your long-term financial goals/needs. 

Services with each plan

• Individualized investment advice, both formally through my reports, and informally through conversation and email. 
• An Investment Policy Statement, or IPS, which outlines your own goals and financial condition, followed by an investment plan.  This will be updated annually.
• (Wealth Management only)  A lifetime mathematical financial model  
• Quarterly reporting of your current account status, transactions made, and measurements of portfolio performance