"YOU ARE BEING ROBBED!"
...Well, Maybe

Our investment management service is available to those who are ongoing monthly subscription clients as a complimentary add-on. Our monthly subscription fee is completely all-inclusive, covering every aspect of professional investment management. This transparent approach means you'll never encounter unexpected charges for trades, transactions, administrative fees, rebalancing, or portfolio adjustments.

What's included:

• Professional portfolio management and optimization
• All trading and transaction costs
• Quarterly performance reviews with strategic adjustments
• Tax-loss harvesting and tax optimization
• Direct access for investment-related questions
• Integration with your financial plan

This straightforward fee structure eliminates complexity and ensures you always know exactly what you're paying for professional investment management.

You absolutely can manage investments yourself, and for many people, low-cost index funds are an excellent choice. However, our AUM service addresses specific needs that DIY investing and robo-advisors cannot:

The value proposition becomes clear when you need:

• Sophisticated Strategies: Tax-loss harvesting, strategic rebalancing, and complex asset allocation
• Time and Peace of Mind: Professional oversight while you focus on what matters most to you
• Behavioral Coaching: An advisor to prevent costly emotional decisions during market volatility
• Integrated Planning: Investment strategy that aligns perfectly with your financial plan

This service is designed for clients who have maximized their retirement accounts and want professional management of additional investable assets without the complexity of self-management.

The value of professional investment management extends far beyond market returns. Our focus is on delivering measurable benefits that justify the investment:

How we ensure value exceeds cost:

• Tax Optimization: Strategic tax-loss harvesting often saves more than the annual fee
• Risk Management: Professional oversight prevents costly emotional decisions during market downturns
• Time Value: Hours of research, monitoring, and rebalancing handled professionally
• Strategic Allocation: Sophisticated portfolio construction aligned with your specific goals and risk tolerance
• Peace of Mind: Confidence knowing your investments are professionally monitored and optimized

This service becomes especially valuable during retirement when you're living off your investments, or anytime you want professional oversight without the stress of self-management.

The ideal account size depends on your personal circumstances and the value you place on professional investment management. Here's our practical guidance:

Financial considerations:

• $10K - $250K: May be suitable if you value professional oversight and have maximized retirement accounts
• $250K+: Strong economic case as the value of tax optimization, rebalancing, and professional management typically exceeds the fee
• $500K+: Compelling value proposition with significant tax savings and sophisticated portfolio management

Ultimately, the "right" size is when the value you receive—professional management, tax optimization, time savings, and peace of mind—justifies the cost based on your personal situation and priorities.

Our Investment Management service is exclusively focused on professional investment management. This specialized service operates separately from our financial planning offerings:

AUM Service Focus:

• Portfolio construction and management
• Strategic asset allocation and rebalancing
• Tax-loss harvesting and optimization
• Investment monitoring and quarterly reviews
• Investment-specific guidance and support

For financial planning—including budgeting, insurance, estate planning, and ongoing financial coaching—that's covered under our monthly subscription service. The AUM service integrates seamlessly with your broader financial plan while providing specialized investment expertise.

Your investment strategy is meticulously customized through a detailed process that ensures every portfolio decision aligns with your unique circumstances:

Our customization process includes:

• Investment Policy Statement (IPS): A personalized document created through detailed assessments and discussions
• Risk Tolerance Analysis: Thorough evaluation of your comfort level with market volatility
• Goal-Based Allocation: Portfolio structure aligned with your specific financial objectives and timeline
• Values-Based Investing: Integration of socially responsible or ESG preferences if desired
• Tax Optimization: Strategies tailored to your tax situation and account types

This thorough approach ensures your investment portfolio reflects your personal goals, risk tolerance, timeline, and values while maintaining optimal diversification and tax efficiency.

Behavioral finance research shows that emotional decision-making is the biggest threat to investment success. Our approach addresses this through multiple protective strategies:

How we protect you from costly mistakes:

• Professional Oversight: Trained perspective during market volatility to prevent panic selling or euphoric buying
• Education and Context: Regular communication explaining market conditions and reinforcing long-term strategy
• Systematic Approach: Predetermined investment rules that remove emotion from decision-making
• Historical Perspective: Reminders of how similar market events played out historically
• Plan Reinforcement: Continuous focus on your long-term goals rather than short-term market movements

This comprehensive behavioral support system helps ensure that market volatility doesn't derail your long-term financial success. As the saying goes: "Time in the market beats timing the market."

Absolutely not. Our AUM service is designed for a specific subset of clients, yet is included in your monthly subscription as a complimentary add-on.

This service works best for clients who:

• Prefer professional investment management over self-direction
• Have substantial investable assets beyond retirement accounts
• Value time savings and stress reduction over hands-on control
• Want sophisticated tax optimization and portfolio management

This service may not be suitable if you:

• Enjoy actively managing your own investments
• Are comfortable with index fund investing and DIY approaches
• Prefer to maintain complete control over every investment decision
• Don't see value in professional investment oversight

Many clients thrive with financial planning guidance alone, executing their investment strategy independently. Others find tremendous value in professional investment management. Both approaches can be highly successful.

The long-term value of professional investment management compounds significantly over time through multiple key benefits:

Primary long-term advantages:

• Stress Reduction: Peace of mind knowing your investments are professionally monitored and optimized
• Time Freedom: Hours of research, analysis, and portfolio maintenance handled by experts
• Tax Efficiency: Ongoing tax-loss harvesting and optimization that often exceeds the annual fee
• Behavioral Protection: Professional guidance preventing costly emotional decisions during market volatility
• Consistent Strategy: Disciplined adherence to your investment plan regardless of market conditions
• Optimization Opportunities: Continuous portfolio refinement and strategic adjustments

Over decades, these benefits compound to create substantial value beyond what most individual investors achieve through self-management, particularly during challenging market periods when emotions run high and professional guidance becomes invaluable.