Choose the right plan for you

Budget

$50 per month

This is a self-guided subscription for the do-it-yourself planner focused on the basics.

• Spark Hub onboarding meeting

• Spark budgeting guide

• Spark budgeting worksheet

• 1hr implementation meeting with an advisor

• Spark Hub - your personal financial dashboard. Included modules:

  • Budgeting

  • Balance sheet

  • Debt management and credit

  • Insurance (life, LTC, LTD, Personal Lines)

• Annual progress/planning meeting

Standard

$125 per month

• 30-minute discovery meeting

• 1hr financial consultation and plan presentation meeting

• Annual progress/planning meeting

• Text, email, & phone access to an advisor

• Spark Hub - Your personal online financial center. Track progress, organize your financial life in one location, and store important documents.

• Customized budget

• P&L and Balance Sheet (income & expenses / assets & liabilities)

• Debt management and credit

• Save, Invest, Give, Spend plan

• Retirement accumulation planning

• Portfolio allocation review

• Comprehensive insurance and liability analysis

• Major purchase planning (Home, car, trip, etc.)

Premier

$250 per month

Everything in the Standard plan plus:

• Two additional financial consultation and plan review meetings per year

• Retirement distribution planning

• Equity compensation analysis

• 401(k) asset allocation

• Investment planning

• College planning

• Estate planning (collaboration with an attorney)

• Tax reduction planning (Collaboration with CPA)

• Employer-sponsored benefits review

• Required Minimum Distribution service

• Home purchase escrow concierge

• Cash flow management

Implementation

You have a plan. We can help you put it into action.

Investment Management

As independent investment advisors, we have access to a multitude of investment options. Our experience, tools, and insight allow us to place you in portfolios that are best for your goals and needs.

Assets Under Management Fee*:

$0 - $500,000: 1.00%

$500,000 - $900,000: 0.85%.

$900,000 - $1,999,999 : 0.65%

$2,000,000+: TBD with Advisor

• Traditional IRA, ROTH, SEP IRA, SIMPLE, SOLO 401k, Trust, and Non-Qualified. We have an account and a portfolio we can build around your risk profile, time horizon, tax status, and investment preferences.

• Non-fee-based accounts and product solutions can be used if desired. One-time fees will be assessed as a percentage of investment and depend on the asset selected.

*AUM Fee table is reflective of a client signed up in the Standard of Premium advising plan. The management fee for non-advisee clients will be determined based on asset total, investment objective, and account type.

Insurance

We have access to the independent market, so we can help provide you with suitable insurance products within your budget from reputable companies.

• Life insurance

• Long term care (traditional and hybrid)

• Disability insurance

Education Planning

Investing in a child’s future. We assist in selecting the funding vehicle to help work towards their future.

• 529 plans

• Education Savings Accounts

• Custodial account

Tax Strategies

We can help you keep more of what you earn and partner well with your tax advisor.

• Maximizing qualified plan and IRA contributions

• Tax deferral vehicles

• Restructuring your investment portfolio to produce a higher after-tax return

Leaving a Legacy

An opportunity to support people, institutions, and causes that matter to you for generations.

• Get the proper documents in order and running point on the repapering process

• Establishing a framework for a lasting legacy and defining the values and conditions that guide it

• Help reduce the impact of taxes

• Determining if a charitable legacy is part of your plan