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Open Booking Link
On-Demand Support When You Need It
Life doesn't schedule financial emergencies. You get direct scheduling access to Dr. Crane whenever you need guidance — no waiting for quarterly reviews.
1% Comprehensive AUM Wealth Management
We've Built Your Financial Plan...
Now What?
Your Personal CFO + Complete Wealth Management. Ongoing guidance, accountability, and real-time decision-making support so you don't have to figure life's financial moments out alone.
Personal CFO
Complete Wealth Management
All-Inclusive 1% Fee
Most advisors will build you a plan, collect their fee, and disappear until next year's "annual review." Meanwhile, life happens. Markets shift. Tax laws change. Opportunities arise. Emergencies hit. And you're left figuring it out alone.
Here's the truth most advisors won't tell you:
Having a financial plan without ongoing support is like getting a map with no GPS. You know the destination, but when you hit detours, construction, or roadblocks... you're on your own. And if you DO hire an advisor for investment management? You're probably being robbed.
The 1% Performance Problem
THE DIRTY SECRET: Most advisors charge 1% AUM fees but can't even beat the market.
According to the 2025 SPIVA report, approximately 90% of actively managed equity funds fail to beat their benchmarks over the long term. If your advisor is charging you 1% annually but consistently underperforms the S&P 500 — what exactly are you paying for?
$500,000
Your Portfolio
Hypothetical balance under management
1% AUM
$5,000 / year
What your advisor charges
10%
S&P 500 Annual Return
Long-term historical average
9%
Advisor's Return
Underperforms by ~1%
$100,000+
20-Year Cost of Mediocrity
Paid in fees to get WORSE returns than a $50/year index fund
Note: This is a hypothetical example for illustration purposes. Actual returns and fees vary by advisor and market conditions.
Here's the math that will shock you:
You would have been better off buying a low-cost S&P 500 index fund and hiring a flat-fee-only advisor. You'd save thousands AND beat your advisor's performance.
That's the robbery. Paying 1% for mediocrity.
The Standard We Hold Ourselves To
So Why Does Financial Legacy Builders Charge 1% AUM?
If an advisor charges 1% AUM but consistently underperforms the benchmark, you're being robbed.
But if an advisor charges 1% AUM and consistently crushes the benchmark in performance, manages drawdown better during crashes, and delivers superior risk-adjusted returns over time, they've earned every penny of that 1%.
We don't charge 1% to track the market. You can do that yourself for free.
We charge 1% to beat the market, manage risk, optimize taxes, and keep you from making the emotional mistakes that destroy wealth.
If we're not beating the benchmark and managing risk better than an index fund, we haven't earned the 1% fee.
Why Most Financial Plans Fail After Year One
You've built your financial plan. You're motivated and ready to execute.
Then life happens.
Job changes, market volatility, family emergencies
New opportunities you're not sure how to evaluate
Complex financial decisions with no one to guide you
Quarterly reviews that never happen because "life got busy"
Investment questions that keep you awake at night
No coaching or accountability to keep you on track when motivation fades
The truth?
You need someone in your corner who's always there. Someone who treats your financial success as their personal mission. Someone who lives to serve YOU first.
The Solution
1% Comprehensive AUM Wealth Management
Everything You Need. One Transparent Fee. No Hidden Costs.
At Financial Legacy Builders, we don't nickel-and-dime you with separate fees for every service. You pay 1% of assets under management and get everything below.
Ongoing financial guidance and accountability
Professional investment management
Estate planning updates (included for clients)
Access to our MAG 10 specialist network
Behavioral coaching for life decisions
Proactive planning alerts when the world changes
Ongoing guidance, accountability, and real-time decision-making support so you don't have to figure life's financial moments out alone.
What's Included for 1% Assets Under Management
We believe in fair, transparent pricing that grows with your success — not your portfolio size.
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Monthly Check-In
Consistent Touchpoints to Keep You on Track
Regular monthly check-ins ensure you're progressing toward your goals, adjusting as life changes, and staying accountable to your plan.
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Premium Technology Access
Tools That Keep Your Plan Alive
- Private client portal with real-time financial software
- Elements Financial Planning scorecard (11 vital signs)
- Performance tracking and reporting dashboards
- Document vault and secure communication
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Life Event Updates
We Track What Matters So You Don't Have To
Marriage. Kids. Job change. Home purchase. Inheritance. We proactively remind you when life events trigger financial planning updates.
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Private Live Education + Events
Stay Sharp, Stay Informed
Monthly live webinars covering market updates, tax strategy, estate planning changes, and financial trends — plus exclusive client-only events throughout the year.
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Continuous Education + Resources
Always Learning, Always Growing
- Exclusive content and market insights
- Educational resources tailored to your goals
- Priority access to new strategies and opportunities
- Service calendar showing ongoing support monthly
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A Couple Extra Surprises Throughout the Year
Because We Appreciate Your Business
We don't just manage your money — we value the relationship. Expect occasional gestures of appreciation throughout the year, because you matter to us.
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Behavioral Coaching + Life Planning
Beyond the Money: Life Decisions That Matter
Dr. Steven Crane is a Certified Professional Coach. This isn't just about your portfolio — it's about your life.
- Career transitions and major life decisions
- Relationship dynamics around money
- Legacy planning and purpose-driven wealth
- Behavioral patterns that sabotage progress
- Life goals that transcend dollar signs
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Proactive Planning Alerts
We Monitor the World So You Don't Have To
Tax law changes. Market shifts. Policy updates. Inflation impacts. Legislative developments. We don't wait for annual reviews — when the world shifts, we reach out proactively with strategic adjustments, tax opportunities, and action items you need to take NOW.
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Ongoing Estate Planning
Included Forever. No Extra Cost. Period.
Everyone gets a complete estate plan upfront (valued at $500+) at no additional cost. Stay with us and updates are included forever — with attorney support.
- Marriage, kids, divorce, death in family
- Move to a new state
- Tax law changes
- New assets acquired
Advisory + Investment Advice + Professional Coaching
Included at No Extra Cost
Most advisors charge 0.75% to 1.5% AUM fees on top of planning fees. Not us.
What You Get for 1% AUM
- Professional portfolio management and rebalancing
- On-Demand performance reviews with Dr. Crane
- Multiple custodian options (Schwab, AXOS, Altruist, Fidelity, etc.)
- Tax-loss harvesting and optimization
- Customized portfolio built around YOUR goals — not generic Wall Street model portfolios
- Direct email access for investment questions
- Integration with your comprehensive financial plan
What You WON'T Pay
- NO surprise annual fee increases
- NO penalties for having less than $100,000 invested
- NO commissions, product sales, or hidden agenda
Referral Access to MAG 10 Specialists
Your Complete Financial Dream Team
When everyone plays their role, we all win. This network of specialists has only one mission: putting you first so you never have to compromise your family's future.
Lead
Dr. Steven Crane
Financial Planner
Attorney
Accountant
Credit / Banking Advisor
Investment Advisor
Career Coach
Life Insurance Agent
Health Insurance Agent
Mortgage Lender
Property & Casualty Agent
Complete Fee Transparency
Fair, transparent pricing that grows with your success — not your portfolio size.
1% of assets under management
All-inclusive. No asset minimums. No hidden fees.
That's it. No asset minimums. No hidden fees.
What You Pay
- 1% of assets under management
- Flat, predictable, all-inclusive
- No asset minimums
- No hidden fees
What You Get
- Everything listed above
- Estate planning updates forever (no extra cost)
- Access to MAG 10 specialist network
- Behavioral coaching and life planning
- Proactive alerts and real-time strategy adjustments
- On-demand check-ins, webinars, and ongoing support
When 1% Comprehensive Wealth Management Makes Sense (And When It Doesn't)
I'll be completely honest about what's best for YOUR situation — even if it means less revenue for me. That's what a fiduciary does.
RIGHT FOR YOU IF:
- You want ongoing financial guidance and accountability
- You have complex tax situations requiring active management
- You prefer professional investment oversight for peace of mind
- You value integration between financial planning, investment management, and estate planning
- You want a certified professional coach helping with life decisions, not just money decisions
- You see the value of Tactical Asset Management and proactive planning alerts
VS
NOT RIGHT FOR YOU IF:
- You prefer a simple, low-cost "set it and forget it" index fund approach
- You see more value in minimizing fees than outperforming the market or receiving ongoing support
- You enjoy DIY investing and managing your own portfolio
- You are not prepared to invest (high-interest debt, no emergency savings, etc.)
- You prefer to do your own free research via YouTube, TikTok, Reddit, etc.
- You don't want or need ongoing financial guidance
For most people, building the financial plan is the first step. But executing that plan? Staying on track when life happens? Making adjustments when markets shift or your situation changes? Managing your investments to actually beat the benchmark?
That's where most people fail without ongoing support.
This offering is about three things:
- Coaching — Keeping you accountable and on track when motivation fades
- Ongoing Support — Continuous monitoring, adjustments, and guidance as life changes
- Investment Management — Actually managing your money to beat the market and make your bank account proud
This is about executing and adjusting through life's changes, and actively managing your investments for real performance.
Why Ongoing Support Matters
It's Not About Need. It's About Optimization.
Think about Michael Jordan. One of the greatest athletes ever — but he didn't achieve greatness because he needed a coach. He used coaches because he wanted to optimize his potential and focus on what was more important: family, faith, and personal growth.
Financial planning isn't a one-time event — it's an ongoing journey filled with changing life circumstances, market volatility, tax law updates, and countless decisions that can make or break your financial future.
You need someone genuinely invested in your success. Someone who's always in your corner fighting for your best interests.
Many advisors prioritize their own life over yours: family, vacations, building their own wealth. Nothing wrong with that — but when life throws you curveballs (and it will), when markets crash, when tax laws change, when you face major life transitions, you need someone who treats your financial success as their personal mission.
If you're looking for someone who lives to serve YOU FIRST, we have your back.
Your Top Questions Answered
Everything you need to know about our 1% Comprehensive AUM Wealth Management.
The 1% AUM fee is all-inclusive — covering ongoing financial guidance, professional investment management, estate planning updates, MAG 10 specialist access, behavioral coaching, on-demand support, education, and proactive planning alerts. There are no separate planning fees, transaction fees, or surprise charges.
No. We don't charge penalties for having less than $100,000 invested, and there's no asset minimum to engage. Our 1% AUM fee scales naturally with your portfolio, so we're aligned with your long-term success.
Most advisors charge 1% AUM and underperform the benchmark — that's robbery. We charge 1% AUM to beat the market, manage drawdown during crashes, optimize taxes, and keep you from making the emotional mistakes that destroy wealth. If we're not beating the benchmark and managing risk better than an index fund, we haven't earned the fee.
Everything: professional portfolio construction, rebalancing, tax-loss harvesting, on-demand performance reviews across multiple custodian options (Schwab, AXOS, Altruist, Fidelity, etc.), advisory and coaching, estate planning updates, MAG 10 specialist access, and ongoing support — with no commissions or hidden charges.
Yes. As long as you're an active client, all estate plan updates — driven by life changes, moves, tax law changes, or new assets — are included with attorney support at no additional cost. Ever.
The Magnificent 10 is your complete financial dream team — Dr. Crane plus a vetted network of attorneys, CPAs, mortgage lenders, insurance agents, career coaches, and other specialists. Every member has only one mission: putting you first.
Most advisors build a plan, collect a fee, and disappear until the next annual review. We're built for ongoing support — on-demand booking, proactive alerts when the world shifts, behavioral coaching, and an integrated team. You're never left figuring it out alone.
For most people starting out, low-cost index funds are the answer — and we'll tell you that honestly. This service is designed for clients with "rich people problems": maxed-out tax-advantaged accounts, complex tax situations, significant wealth, or the desire for ongoing professional support across every area of their financial life.
You get direct scheduling access to Dr. Crane through an open booking link — no waiting for quarterly reviews. Combined with monthly check-ins and proactive alerts, you're never more than a few clicks away from real guidance.
Click any "Apply Now" button on this page to begin. We'll review your situation together to make sure 1% Comprehensive AUM Wealth Management is the right fit — and we'll be honest if it isn't.
The Ultimate Goal: Help You Build, Grow, and Maintain Your Financial Legacy
My ultimate goal is to help all my clients reach the point where they have "rich people problems": maxing out retirement accounts, building substantial wealth, and needing sophisticated investment management and ongoing support.
The Choice is Yours:
Keep doing what you've been doing with index funds (perfectly fine for most)
— OR —
Work with an advisor who lives to serve you first and puts your success above
everything else.