InvestEdge Planning Service Packages

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 schedule a Discovery Call to better understand your needs, challenges, goals, and to get organized. 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 everchanging 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.

Limited Scope Financial Planning is also offered at $250 per hour and may be negotiable in certain cases. Limited Scope Financial Planning services may include investment portfolio analysis without the asset management service, exclusive tax planning, tax-loss harvesting for taxable accounts and trusts, college savings planning, large purchase planning, post-retirement needs or goals, financial coaching services, stock options management, or any specific financial need.

Asset Management

Your Asset management service will offer:

A Financial Plan or Retirement Plan with Forward-Looking Tax Planning and Annual Updates.
Portfolio analysis of investments. Review of your portfolio risk, return and asset allocation.
Assessing 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.
Quarterly Portfolio Review Meetings and reporting.
Ongoing market analysis and financial investing education.
On Demand Phone or Virtual Meetings available for any financial needs.

FEE SCHEDULE:

Account Value = Annual Advisory Fee

$500K- $2 Mil= 1%

> $2 Mil - $3 Mil= .90%

> $3 Mil - $4 Mil= .80%

> $4 Mil - $5 Mil= .70%

> $5 Mil or more = Negotiable

*Payable Quarterly-

The last business day of March, June, September, and December.

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Retirement Plan

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 or IRA, and 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
Forward-looking Tax Planning for Post-Retirement income distributions, including RMD's, pensions, Social Security benefits etc.
Review of Social Security benefits and Medicare to avoid 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.
Review and one-time rebalance of investment portfolio.
Protecting your legacy- Estate Planning review and getting your advanced health care directives in order.
Follow-up Meetings

FEE:

$2695 One-time fee

- OR -

Subscription payment option:

$695 due up front &

$400 due on the 1st of the month, for the next 5 months.

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Financial Plan

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.
Investment Portfolio Analysis and one-time rebalance of investment portfolio.
Forward Looking Tax Planning is included; more complex cases will be referred to XY Tax Solutions for an extra fee
Protecting your legacy- Estate Planning review and getting advanced health care directives in order.
Financial Investing education
Follow-up Meetings

FEE:

$3295 One-time fee

- OR -

Subscription payment option:

$895 due up front &

$480 due on the 1st of the month, for the next 5 months.

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Example of Asset Management Quarterly fee schedule for Investable assets of $525,000:

1% for $525,000 in assets= $5,250 yearly, $1312.50 payable quarterly on the last business day

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

858-240-0139

shannongrey@investedgeplanning.com