Our Services
Our Financial Planning Process
To fully customize your plan, our team conducts an intensive, 8-week 'deep dive' into every major aspect of your financial life, from tax and estate strategies to sustainable financial stability. We tailor every recommendation to your unique priorities and the life in retirement you want to build. The process looks like this:
Onboarding Meeting
Meet the Team - Establish the client and planner relationship, identify the client’s needs, goals & concerns/issues.
Financial Meeting #1
Meeting of the Minds - Develop common understanding of goals & objectives; Gather information from client:
- Investment Statements
- Income and expense information
- Wills and other legal documents
- Life, property and casualty, Long-term care, liability, disability and other insurance documents
- Tax returns
- Retirement plan documents and statements
- Pension statements
- Social Security Statements
- Mortgage and other debt statements
Financial Meeting #2
Solution Meeting #1 -
Suggest solutions for immediate needs, goals & objections.
Address additional questions & areas of concern.
Financial Meeting #3
Solution Meeting #2 -
Review suggested recommendations. Follow up on recommended adjustments from meeting #2
Financial Meeting #4
Implement Strategies - Review remaining recommendations, address lingering questions and begin to execute strategies.
Monitoring & Reviewing
Ongoing monitoring of Financial Plan, adjust periodically and review with your team annuallly or needed.
We have developed an 8-week financial planning process that helps us dig deep into your lifetime needs and goals, identify potential issues, and together realize an actionable financial plan to help you achieve a confident and comfortable retirement.
During this 8-week planning process, we'll meet every two weeks to get to know you in detail. To learn your needs and goals, to help identify any potential issues and to create and offer solutions tailored to your specific needs, goals, and issues.
We develop multiple financial plans and strategies tailored towards your specific wants and needs in retirement. This also includes any "What if" scenarios that may occur during your retirement.
We create, implement, and monitor your tax-efficient retirement income plan, in preparation for potential future tax increases.
Beyond our initial 8-week week financial planning process to develop and implement your plan, we conduct annual comprehensive financial planning reviews to help make sure you are still on track to meet your goals.
We conduct an additional annual or semi-annual planning review, where we take a deep dive into other relevant financial planning topics, which may also include estate planning, insurance planning, tax planning, and more.
Our Comprehensive Services
Investment Planning
Investment Planning includes our unique Account Segmentation strategy. We use this approach to help make sure your current expenses are secure, while offering investment strategies that allow for more growth for long-term needs and goals.
We develop these investment strategies and choose the investment portfolios that make the most sense in your segmentation strategy.
Our financial planners and investment committee members offer discretionary management of your portfolios. We handle everything for you and will take into account any input or discussion you would like to have before implementing any changes to your portfolios.
Insurance Planning and Risk Management
We help you prepare for unexpected events while keeping your retirement goals on track.
Our discovery process explores whether tools such as life insurance or principal-protected, guaranteed income vehicles are appropriate for your needs. We also review your property and casualty insurance to ensure you're properly covered—without overpaying.
We help you understand the risks associated with long-term care and explore personalized solutions to address them.
Tax Planning
Tax planning is a unique and powerful part of our financial planning process. While many advisors either avoid this conversation or are restricted from discussing it, we believe tax strategy is essential because taxes are likely to be one of your largest expenses in retirement.
Failing to address tax risk can significantly impact the retirement lifestyle you’ve worked so hard to achieve and the legacy you hope to leave behind. That’s why we don’t ignore it. We don’t simply hope tax rates stay the same for the next several decades. Instead, we’ve invested years into studying and developing specialized strategies to help mitigate tax rate risk and preserve more of your wealth, for you and for your loved ones.
We look forward to the opportunity to serve as your trusted advisors and help bring you the confidence, clarity, and peace of mind you deserve- not only during retirement, but in the legacy you leave behind.
Client Engagement Models
We offer several ways to work with clients, each designed to meet diverse needs:
Comprehensive Wealth Management:
This is our most common engagement. Clients pay an annual fee based on the investment assets we are managing for a complete suite of services, including:
- Asset management
- Financial planning
- Custody services
- Full implementation of investment, tax, and plan strategies
- Ongoing monitoring and review of investment, tax, and plan strategies
- Assignment of a dedicated Financial Planner
- Annual financial planning process
Our fee schedule for this Comprehensive Service Agreement is attached.
Financial Planning Only:
Occasionally, individuals who prefer not to have an ongoing comprehensive agreement engage us for a one-time financial plan. This involves our detailed 8-week planning process, resulting in a customized financial roadmap. However, the client is responsible for implementing and monitoring the recommended strategies. Our one-time financial planning fee typically ranges from $7,500.00 to $10,000.00.
Hybrid Approach:
For clients who do not yet meet our $1,000,000.00 minimum for Assets Under Management (AUM), we offer a combination of services. This may include an Asset Under Management Agreement for accounts under our direct control or a Portfolio Monitoring Agreement for assets held elsewhere but still advised and monitored by us, alongside a Financial Planning Agreement.
Access to Specific Investments:
A few times each year, individuals who manage their own financial plans and investments require our assistance in accessing specific investment products or platforms that are not readily available to them. In these situations, we can help facilitate access to the desired investment or solution without requiring a financial plan or other ongoing services.
*Please note that tax preparation is offered separately through our affiliate, Attleboro Tax Services, as required by regulations.
Client Fee Schedule
Assets Under Management (AUM) | Advisory Fee |
|---|---|
$1,000,000 – $1,999,999 | 1.00% |
$2,000,000 – $2,999,999 | 0.85% |
$3,000,000 – $3,999,999 | 0.75% |
$4,000,000 – $4,999,999 | 0.65% |
$5,000,000 – Above | 0.55% |
Advisory Services included in Client Fee Schedule:
- Annual Comprehensive Financial Planning
- Annual or semi-annual planning reviews, as agreed upon
- Investment Management and Performance Reporting
- Estate Planning and Wealth Transfer Strategies
- Tax-efficient Lifetime Income Withdrawal Strategies
- Long-Term Care Planning
- College Planning
- Coordination with other professionals such as accountants and attorneys
- Any additional identified planning needs or services as agreed upon
Fees shown represent fees paid to Attleboro Wealth Management; other fees and expenses including mutual fund expenses, annuity costs, and other third-party fees may apply.