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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.
Comprehensive 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
8.5%
Advisor's Return Including Their Fees
Underperforms by ~1.5%
$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 might want to ask yourself “am I 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 actively manage your investments, mitigate drawdowns, manage risk, optimize taxes, and keep you from making emotional mistakes that destroy finances, while also providing lifelong support to continually adjust your life's changes.
If we do not meet our commitment, 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
Access to our MAG 10 specialist network
Behavioral coaching for life decisions
Proactive planning alerts when the world changes
Educational Sessions: Live and on-demand sessions so you understand every decision.
On-Demand Support: Direct access when questions come up, not just at scheduled check-ins.
Continuous Meetings: We meet throughout the year as your life 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
- 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
No Account Minimums
Comprehensive planning should not be reserved for the wealthy. Most firms lock out families and individuals who can’t meet high minimums. We do not. You get the same planning, access, and transparent fees as anyone else.
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 premium for meeting with Dr. Crane multiple times a year
- No penalty for small investments
- No commission loads on mutual funds
- No surprise annual fee increases
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.
Financial Planner
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.
Frequently Asked Questions
Your Top Questions Answered
My Comprehensive Wealth Management service is designed to provide ongoing financial guidance that helps you implement, maintain, and optimize your financial strategy throughout every stage of life.
Rather than creating a financial plan and leaving you to manage it alone, I provide continuous support to help you make informed decisions as markets change, tax laws evolve, and your personal circumstances shift.
For 1% of assets under management, your membership includes:
- Professional Portfolio Management & Investment Guidance
- Open Booking & On-Demand Support
- Monthly Check-Ins and Personalized Updates
- Complete Financial Technology Access
- Life Event Updates & Reminders
- Behavioral Coaching & Life Planning
- Proactive Planning Alerts
- Estate Planning Updates
- Educational Resources
- Exclusive Live Webinars & Events
- MAG 10 Partner Network Access
- Client Appreciation Surprises
- Unlimited Communication
My goal is to provide the guidance, accountability, and ongoing support you need so you never have to navigate important financial decisions alone.
As a Comprehensive Wealth Management client, you have unlimited access to reach out whenever financial questions arise.
There are two primary ways we stay connected:
Direct Communication: You can email or text me your questions, and I will provide a thoughtful response, typically within 5 business days.
On-Demand Support: You also have access to my calendar whenever a situation requires a conversation. Instead of limiting planning discussions to one or two meetings per year, I believe you should have access to guidance when important financial decisions arise.
Whether you are buying a home, changing careers, preparing for retirement, or simply need clarity around a financial decision, I am here to help.
Life does not follow a fixed financial plan. Your strategy should evolve as your circumstances change.
While many traditional advisory relationships rely primarily on annual reviews, my Comprehensive Wealth Management approach provides ongoing access to guidance throughout the year.
Our Monthly Check-Ins are designed to keep you engaged and informed through regular communication, reminders, educational resources, and personalized updates. They are not traditional monthly meetings, but proactive touchpoints that help ensure your financial plan continues moving with your life.
Combined with unlimited communication and flexible scheduling, we can adjust your strategy when important changes occur.
Absolutely. As a Comprehensive Wealth Management client, you will continue to have access to the professional financial planning technology used throughout your planning process.
This may include platforms such as:
- Monarch
- Trust & Will
- RightCapital
- Elements
- Holistiplan
- Axos
All software costs are included as part of your membership, with no additional fees or unexpected charges.
The comprehensive financial plan creates the roadmap. Comprehensive Wealth Management helps you implement, monitor, and adjust that roadmap as your life changes.
A financial plan is only valuable if it continues to reflect your current goals, opportunities, and challenges. Through ongoing investment management, planning updates, education, and personalized guidance, I help ensure your strategy remains aligned with where you are today and where you want to go in the future.
Your membership includes ongoing educational resources designed to help you make more informed financial decisions throughout every stage of life.
Resources may include:
- Educational guides and planning tools
- Financial insights and market updates
- Exclusive live webinars with industry specialists
- Practical resources related to taxes, retirement, investing, estate planning, insurance, and more
As important life milestones occur — having children, preparing for college, purchasing a home, getting married, planning for retirement, or other significant changes — you will receive relevant education, planning guidance, and timely reminders based on your specific situation.
My goal is to provide more than occasional updates. I want to provide meaningful education and actionable guidance that helps you make confident decisions throughout your financial journey.
You absolutely can manage your investments yourself, and for many individuals, low-cost index funds can be an effective approach.
However, Comprehensive Wealth Management is designed to provide much more than investment management alone. The value comes from combining investment oversight with personalized financial planning, behavioral guidance, and ongoing support.
Professional Portfolio Management & Investment Guidance: I help manage your portfolio, monitor your investments, make strategic adjustments when appropriate, and ensure your investment approach remains aligned with your goals and risk tolerance.
Behavioral Coaching: Markets can create uncertainty and emotional reactions. I help you stay focused on your long-term strategy and avoid making decisions based on fear, stress, or short-term market movements.
Integrated Financial Planning: Your investment strategy is connected with your broader financial picture, including tax planning, retirement goals, estate considerations, cash flow needs, and major life decisions.
Time and Confidence: You have a professional partner monitoring your financial strategy so you can focus your time and energy on your family, career, and personal priorities.
Ultimately, the difference is not simply investment management. It is having an ongoing relationship with a fiduciary who helps you coordinate the many financial decisions that impact your future.
The value of Comprehensive Wealth Management extends far beyond investment performance.
Your membership includes professional investment management, proactive planning, behavioral coaching, tax-efficient strategies, estate planning updates, financial technology, educational resources, unlimited communication, and ongoing guidance throughout the year.
Beyond the services included, I help clients identify opportunities, avoid costly mistakes, save valuable time, and make decisions with greater confidence knowing their financial strategy is being continuously monitored.
The value of this relationship is measured not only by investment results, but also by the quality of the financial decisions you make, the opportunities you recognize, and the confidence you gain throughout your financial journey.
The right fit for a Comprehensive Wealth Management relationship depends on your financial situation, goals, and the level of guidance you are looking for.
For some clients, professional investment management and planning support can provide value earlier in their financial journey. For others, the need for more comprehensive guidance increases as their wealth and financial complexity grow.
As assets increase, planning often becomes more complex and may involve:
- Tax optimization strategies
- Portfolio management and diversification
- Retirement income planning
- Estate planning considerations
- Risk management
- Long-term wealth preservation
Ultimately, the right time to consider this model is when the value of professional guidance, time savings, strategic planning, and ongoing support outweighs the cost of the service.
Every investment strategy begins with understanding your unique financial situation, priorities, and long-term objectives.
My process includes:
- Developing a personalized Investment Policy Statement (IPS)
- Understanding your risk tolerance and investment preferences
- Building a portfolio aligned with your goals and timeline
- Considering tax-efficient investment strategies
- Evaluating cash flow needs and future financial objectives
- Monitoring and adjusting your strategy as your circumstances change
I do not believe in a one-size-fits-all investment approach. Your portfolio should reflect your goals, your personal priorities, and your overall financial plan while maintaining appropriate diversification and risk management.
Research in behavioral finance consistently shows that emotions can have a significant impact on investment decisions. During periods of market uncertainty, having an objective perspective can help you remain focused on your long-term goals.
My role is not only to manage investments, but also to provide guidance when important decisions arise.
Comprehensive Wealth Management includes Behavioral Coaching & Life Planning, allowing us to look beyond numbers and consider how financial decisions connect with your broader life.
Whether you are considering a career transition, starting a business, purchasing a home, getting married, going through a divorce, relocating, preparing for retirement, or facing another major life decision, I help you evaluate your options from both a financial and personal perspective.
My goal is to help you make better decisions, not just better investments.
Estate planning is not something you create once and forget. As your family, assets, and goals change, your estate plan should evolve with you.
As a Comprehensive Wealth Management client, you receive ongoing estate planning support and updates while you remain in the program.
Examples of situations that may require updates include:
- Adding children or grandchildren
- Updating beneficiaries
- Reviewing existing documents
- Marriage or divorce
- Changes in family circumstances
- Other significant life events
This ensures your estate plan continues to align with your financial strategy and your family's changing needs.
As part of my Comprehensive Wealth Management service, you will receive proactive updates whenever important financial, economic, or planning changes may affect your overall strategy.
These updates may include:
- Changes in tax laws or regulations
- Interest rate updates
- Important market developments
- New financial planning opportunities
- Other relevant information that may require attention
Rather than waiting until an annual review to discuss important changes, I help keep you informed throughout the year so you can make timely and confident decisions.
Financial planning should evolve as your life evolves.
Throughout our relationship, you will receive personalized reminders, educational resources, and planning guidance related to important milestones and decisions.
Examples may include:
- Having children
- College planning and 529 strategies
- Purchasing a home
- Marriage
- Retirement preparation
- Tax planning reminders
- Changes in family circumstances
- Other significant financial milestones
My goal is to provide the right information at the right time so you can be proactive instead of reactive when important financial decisions arise.
I believe great financial relationships are built on trust, communication, and genuine appreciation — not just investment management.
Throughout the year, we may recognize important moments and milestones with thoughtful gestures such as:
- Birthday cards
- Anniversary recognition
- Retirement celebrations
- Personalized gifts
- Congratulations for major life events
- Other unexpected surprises
These small gestures are simply another way we show appreciation for the trust our clients place in us and the relationship we have built together.
The greatest value of Comprehensive Wealth Management comes from having an experienced fiduciary relationship that grows with you over time.
Your financial life will continue to change. Your goals will evolve, your priorities may shift, and new opportunities or challenges will appear.
Through ongoing investment management, proactive planning, behavioral coaching, tax-aware strategies, estate planning updates, education, and continuous communication, I help ensure your financial strategy continues to align with your life.
Instead of navigating important decisions alone, you have a trusted partner providing guidance, accountability, and perspective throughout every stage of your financial journey.
My goal is not simply to help you manage money. My goal is to help you make confident financial decisions that support the life you want to build.
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 some)
OR
Work with an advisor who lives to serve you first and puts your success above
everything else.