InvestEdge Planning Service FEES

InvestEdge Planning specializes in getting you on track to build wealth and be Retirement-Ready, and we do all of this with a boutique-style approach that holistically encompasses financial or retirement planning, forward-looking tax planning, and investment management (passive or strategic/tactical). Our goal is to optimize your wealth, and income and minimize your tax bill. After a Complimentary Consultation or Good Fit Meeting, we will begin our collaboration by signing a Client Agreement. After making your first payment, it is time to kick off your Financial or Retirement Planning! We will schedule a Discovery Call to better understand your needs, challenges, goals, and to get organized. You are supported with a 12 month engagement unless you enroll into the Asset Management service for the Complete Wealth Plan.

Details of services and fee schedules are listed below. Our Commitment to you is always to be Transparent, have No hidden fees, and offer you Excellence in Service. Review Our Process for more details.

When analyzing services, the ongoing Asset Management service offers the highest value and gives you the best opportunity to build and preserve your wealth over time. Essentially, you can employ a trusted advisor & CERTIFIED FINANCIAL PLANNER™ to work year-round to help you navigate ever-changing life events and market cycles; this is crucial for protecting your wealth, specifically during uncertain times and bear markets. Click Read More on how the value of ongoing Asset Management compares to a One-time Financial or Retirement plan.

Asset Management

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Your Asset management service will offer:

A Financial Plan or Retirement Plan with Forward-Looking Tax Planning and Annual Updates.
Portfolio design and analysis of investments. Review of your portfolio risk, return and asset allocation.
Assessing your risk tolerance and time horizon.
Balancing investments to align with your investor profile and objectives.
Integrating a portfolio risk management plan to mitigate market volatility and preserve your wealth and savings.
Implementing income and/or hedging strategies including tax loss harvesting if needed.
Equity Compensation planning if needed.
Daily monitoring and ongoing rebalancing of investments.
Three Portfolio Review Meetings a Year and reporting.
Ongoing market analysis and financial investing education.
On Demand Phone or Virtual Meetings available for any financial needs.
Protecting your legacy- Trust or Will review or Estate Planning with Trust & Will. Easily create, amend, or review your trust or will, and establish advanced health care directives. Alternatively, you may select your own firm for estate planning resources.

Retirement Plan

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Your Retirement Plan will offer:

Defining retirement goals with projecting estimated income and expenses that is adjusted for inflation.
Analyzing streams of income to fund post-retirement (Social Security, pension, IRA, Roth IRA, personal savings, brokerage accounts, real-estate investing, etc.)
Assess annual savings required in the accumulation phase (pre-retirement) to meet defined retirement goals.
Distribution income planning for tax efficient drawdown.
Forward-looking Tax Planning for Post-Retirement withdrawals, RMD planning, pensions with survivorship, Social Security benefits, and End of Life Wealth Transfer.
Roth Conversions
Review of Social Security benefits and Medicare to avoid IRMAA penalties or extra taxation.
Review of long-term care solutions and assess longevity risk.
Portfolio analysis of investments and incorporation of a strategic risk management plan.
Portfolio review and Asset Allocation rebalance of the investment portfolio.
Qualified Charitable Donations
Protecting your legacy- Trust or Will review or Estate Planning with Trust & Will. Easily create, amend, or review your trust or will, and establish advanced health care directives. Alternatively, you may select your own firm for estate planning resources.
Financial Investing education
Two or Three Follow-up Meetings with implementation support

ONE-TIME FEE:

$3700 Individual

$4200 Couple

- OR -

Subscription payment option:

$700 due up front &

$300 Individual or $350 Couple due on the 1st of the month,for the next 10 months.

*12 months support

Financial Plan

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Your Financial Plan will provide:

Financial goal planning- short-term and long-term
Net Worth Statement
Budget and Cash Flow planning
Debt Management planning
Emergency funds planning
College Savings planning-FAFSA help, comparison of College and University tuition & expenses, EFC, grants, scholarships, work study, etc.
School Loan Payoff planning
Equity Compensation planning- ISOs, NSOs, RSUs, RSAs, etc.
Risk Management with Insurance analysis- Life & Health insurance, disability, auto and homeowner's/renter's insurance, and umbrella policy.
Retirement planning- Forecasting with inflation, review of Social Security benefits, Medicare, long-term care solutions, and longevity risk.
Tax Free Income Planning and End of Life Wealth Transfer
Roth Conversions
Investment Portfolio Analysis and Review with Asset Allocation rebalance of investment portfolio.
Forward Looking Tax Planning is included; more complex cases will be referred to XY Tax Solutions for an extra fee
Charitable Giving
Protecting your legacy- Trust or Will review or Estate Planning with Trust & Will. Easily create, amend, or review your trust or will, and establish advanced health care directives. Alternatively, you may select your own firm for estate planning resources.
Financial Investing education
Two or Three Follow-up Meetings with implementation support

ONE-TIME FEE:

$3950 Individual

$4450 Couple

- OR -

Subscription payment option:

$700 due up front &

$325 Individual or $375 Couple

due on the 1st of the month, for the next 10 months.

*12 months support

Example of Asset Management Quarterly fee schedule for Investable assets of $1,100,000:

1% for $1,000,000 in assets= $10,000 / 4 Quarters = $2,500

+ .90% for $100,000 in assets= $900 / 4 Quarters= $225

$10,900 AUM Yearly Fee

$2,725 payable quarterly on the last business day

* Assets under management (AUM) fee is based on quarter-end Account values

Quarterly Management fees can be paid from IRAs, Roth IRAs, or brokerage accounts held with Schwab OR Zoe/Apex

(858) 240-0139

(623) 455-4271

shannongrey@investedgeplanning.com