Assets Under Management (AUM) – Managing Your Money for You

If you’d like to let us manage your investment assets for you, we’d be happy to do that.

We use only high quality Mutual Funds and Exchange Traded Funds (ETFs). We do not typically use individual stocks or bonds unless that is a strong preference for the client.

We rebalance your account at least annually, but we will do so as often as is needed if events dictate otherwise.  We also do annual reviews of your financial plan in our software and can help answer any questions you may have about financing options for large purchases (home or car), college funding, lease vs. own, and so on. We want to be your resource for anything having to do with your financial planning future.

We focus on three different time horizons in retirement for most clients.  The first is focused on liquidity, and usually covers the first 3-5 years after retirement.  The next covers your intermediate-term needs, to make certain your money will grow until you need it for things like a college education for you or the kids, or other lump sum spending needs.  Finally, we treat a portion of your money as long-term.  This is money you won’t need for 10 years or more, and on which a higher investment risk is sometimes appropriate. While there is similarity in how we approach retirement planning for all clients, it is important to note that each client’s individual plan is tailored to that specific client. We do not believe in a “cookie cutter” or “one size fits all” approach.

There are fees associated with this service, and the rate schedule is shown below:

We assess these fees only on the money that we actively manage for you, not necessarily on all of your investment assets.  Again, we will not recommend that we manage all of your money unless that is right for you.

All fees are billed quarterly at the end of the quarter (in arrears) and deducted as a debit to your account. Multiple accounts are aggregated to gain the most beneficial rate for the client.