Fees and Services

Comprehensive Financial Planning Service

Financial planning encompasses all aspects of your financial life and will be tailored to your unique circumstances. To achieve your financial goals and build a sustainable future, we will develop a comprehensive financial plan including:

  • Cash Flow and Budgeting
  • Saving and Investing
  • Retirement Projections
  • Risk Analysis and Insurance
  • Real Estate
  • Education Planning
  • Employee Benefits
  • Charitable Giving
  • Childcare and Eldercare Issues
  • Tax and Estate Planning
Fees
Comprehensive Financial Plan Fee Range $2,500-$5,000
Post-Plan Quarterly Financial Consulting Fee $300-$1000 per quarter
Hourly Fee (on discretion of Advisor) $300 Hourly

Comprehensive Financial Plan and Post-Plan Consulting: Fees depend on the complexity and scope of your finances.

Post-Plan Quarterly Financial Consulting Service: Includes access to personal financial planning website with financial plan reports and cash flow budgeting tools. Examples of other services:

  • Cash Flow and Budget Monitoring
  • Debt Management
  • Financial Goal Setting
  • Financial Plan Monitoring

Hourly Services: Generally, Curtis Financial Planning does not offer hourly advising as ongoing client service is a priority.There may be exceptions which are at the Advisor’s discretion.

The Financial Planning Process
  • Identify and prioritize your short-term and long-term financial goals.
  • Gather and organize data and documents through questionnaires, interviews, and worksheets.
  • Analyze your financial situation to identify challenges and opportunities.
  • Develop a saving and investing strategy to fund your objectives.
  • Provide a written plan with recommendations and action steps.
  • Assist with implementation of plan tasks and recommendations where needed.
Full-Service Investment Management Service -Professional portfolio management for your investment and retirement accounts.
Investment Management Process

The process of investment management will begin with the creation of a customized investment policy statement tailored to your unique circumstances followed by:

  • Recommendation for an appropriate asset allocation for your risk tolerance and time horizon.
  • Recommendation of specific investments for your accounts.
  • Assisting in the transfer of your accounts to a consolidated portfolio.
  • Purchase and sale of investments as needed and as agreed upon by you.
  • Monitoring of your portfolio on a regular basis.
  • Tax-loss harvesting in taxable accounts.
  • Rebalancing your portfolio to remain consistent with your asset allocation.
  • Discussion of relevant investment issues as needed or as requested by you.
  • Tax planning around investments – such as opening retirement accounts.
  • Provision of the professional discipline needed during difficult market conditions.
Fees: Annual fees for full-service Investment Management are based upon the assets-under-management as you can see in the below fee schedule:
The portion up to $1,000,000 1.00%
The portion from $1,000,001 to $2,000,000 0.80%
The portion from $2,000,001 to $3,000,000 0.65%
The portion from $3,000,001 to $5,000,000 0.50%
The portion $5,000,000 and over negotiable

Fees are deducted directly from your investment account and will be clearly detailed on your statements.
Fees are negotiable.

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Financial Planning + Full-Service Investment Management

For clients who retain Curtis Financial Planning to complete a comprehensive financial plan as well as for full-service investment management, payment for ongoing financial planning services (after the initial plan is completed) will be included in the above investment management fee schedule as long as assets under management or $1,000,000 or above. For clients with assets under management under $1,000,000, there will be limits on access to advisor and number of meetings per year included, otherwise, an hourly rate will apply. All details will be outlined in the advisory agreement.

 

Curtis Digital Wealth Platform

A fully-automated digital service for clients who need investment management and whose assets are under $250,000.  Fee: 0.35% of Assets Under Management.

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