Our only compensation is what we bill you for directly – you pay no commissions, no referral fees, no hidden charges. We put your best interests first.
We begin with a brief phone call to discuss your goals and our practice approach. If the fit looks promising, we'll schedule a 1-hour “get acquainted” meeting (in-person or virtual), followed by your personalized financial planning proposal. These initial exploratory steps are complimentary and commitment-free.
We offer two fixed-fee advisory options:
Planning Only clients are billed on a pay-as-you-go, per project basis. Planning Only clients retain custody of their assets and are free to implement our recommendations with the financial services providers of their choice. Planning Only is ideal for pre-retirement clients with most of their assets in employer retirement plans.
Fees vary based on complexity and scope as agreed upon by GFA and the client. Typical ranges:
- 1-2 hour consultation with email summary/recommendations - $700
- Younger Professionals/Families “Kickstart” planning - $1,500 - $2,000
- Retirement Red Zone clients (+/-5 years of planned retirement date) retirement income planning (including Social Security maximization) - $1,750 - $2,500
We’re often able to save Planning Only clients several multiples of our fee in unnecessary investing, insurance and tax costs. Through the magic of compounding returns, these savings can grow into thousands of dollars more for your retirement and other goals.
While there is no ongoing commitment, most Planning Only clients opt for regular plan updates. Annual/follow-up reviews generally cost less, depending on planning scope and time since last review.
Planning Only engagements include:
- 1-2 plan review meetings, depending on scope
- Concise "Action Item" to-do list tailored to client need/investing experience
- Availability for questions and other follow-ups for 3 months following plan delivery
Concierge Wealth Management and Planning
For clients who prefer to delegate investment management and obtain maximum benefit from planning opportunities through our ongoing monitoring and advice.
Concierge fees are based on portfolio size and planning complexity. Our fees cap at portfolios of $1 million or more, lower than many wealth managers, reflecting the reality that many advisory costs are fixed regardless of portfolio size.
We also bill a one-time setup fee that reflects our significant upfront investment in planning analysis and design.
- $100,000 - $499,999 portfolio - $625 per quarter + one-time setup fee of $1,000
- $500,000 - $1,000,000 portfolio - $1,250 per quarter + one-time setup fee of $1,500
- Portfolio over $1,000,000 or complex planning needs (for example, income over $250,000) - $1,875 per quarter + one-time setup fee of $2,000
Concierge services include:
- Professional “evidence-based” investment management using Nobel-prize winning investment principles and cost-effective investments
- Two review meetings per year (possibly more, depending on need)
- Ongoing comprehensive financial planning (taxes, insurance, employer benefits, college, retirement, estate planning)
- Continuous availability for as needed advice/planning