Question 1

Who is your ideal client?

Accepted Answer

Our ideal clients are near or in retirement with investable assets between $2M and $8M. We specialize proactive tax planning with clients virtually across the United States. For estates exceeding federal tax thresholds ($15M Individual | $30M Married), we recommend ultra-high-net-worth specialists.

Question 2

What is tax-return driven financial planning?

Accepted Answer

It is a forward-looking process that uses your actual tax return data to drive current-year decisions. This framework includes spring income estimates and fall tax execution to optimize Roth conversions, manage Medicare IRMAA levels, and mitigate large future RMDs.

Question 3

Do I need to move my investments to your firm?

Accepted Answer

No. We offer an Ongoing Financial Planning engagement for those who wish to manage their own accounts. For those preferring to delegate daily management, we offer a traditional Assets Under Management (AUM) engagement that integrates our tax framework with professional investment management.

Question 4

How much is your financial planning only service?

Accepted Answer

The Ongoing Financial Planning service requires a minimum $15,000 annual fixed fee, billed quarterly. This fee may scale upward based on situational complexity, such as business interests, rental properties, or trust tax return requirements.

Question 5

What should I expect as a client of your financial planning only service?

Accepted Answer

Clients follow a seasonal framework: Spring tax return reviews and income baselines, Summer insurance and beneficiary audits, Fall Roth conversions and tax projections, and Winter portfolio performance reviews and long-term goal updates.

Question 6

Do you offer one-time financial plans?

Accepted Answer

No. Our tax-return driven framework is an ongoing process. To maintain high service standards for existing clients, we do not offer hourly consultations or standalone projects. Educational resources are available via our YouTube channel and podcast.

Question 7

Can you also manage my investments?

Accepted Answer

Yes. We offer an all-inclusive AUM fee starting at 1.0% for assets above $1M, scaling down to 0.6% for assets above $8M. For clients with over $3M managed, we provide a $1,500 credit toward annual tax preparation to ensure professional coordination.

Question 8

How do I get started?

Accepted Answer

The process begins with an introductory Zoom call to determine mutual fit. This meeting is designed to discuss our service framework and answer operational questions; it is not a consultation for specific tax or planning advice.

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