How we can work together
Our initial engagement, foundational planning, is a two-year commitment, with a minimum planning fee starting at $10,000 per year. This phase is all about exploring, learning, designing and laying the foundation. Once we’ve worked together for a minimum of two years, you have the opportunity to participate in our Plan, Partner, or Transform planning engagements.
Our clients have access to our investment management services, which we personally design and actively monitor to complement your financial plan.
YEARS ONE AND TWO
Foundational Planning
This is all about discovery – the crucial exploring and learning required to lay the foundation.
Years Three Plus
Plan
We Plan
$3,500 a year minimum*
A yearly, high-level analysis of your key financial objectives – with strategic input to move forward on a more structured independent path.
What You Get:
- Prioritize values, goals, and needs
- Analyze financial position
- Cash flow analysis
- Employee benefit review
- Financial Independence
- Retirement strategy
- Implement and monitor wealth management strategy
- Investor 360 client portal access
- Executive summary and action items
- One 90-minute strategy meeting
Partner
We Plan, You Expand
$6,000 a year minimum*
For those who value an additional check-in – helpful for adapting to changing life circumstances, major or minor, and navigating accordingly.
What You Get:
- New Year intentions, needs, goals and beliefs kickoff
- Annual assessment supporting intrinsic driver development and alignment
- Life and values-centric planning
- Formal group benefit and compensation review
- Additional 90-minute strategy meeting
- Plus everything included in Plan
Transform
We Plan, You Expand, You Transform
$8,500 a year minimum*
Our most dynamic and accessible relationship – as needed, we become a proactive sounding board, offering analysis and insights to optimize your financial and personal growth.
What You Get:
- Annual strength assessment and personal development support
- Behavioral Advice Coaching
- Expert sounding board and thought partner for living your best life aligned with your values and financial goals
- Collaborative tax and estate planning throughout the year
- Additional 30-minutes dedicated per strategy meeting
- Plus everything included in Partner
*Plus account management fees.
Advisory services offered through Commonwealth Financial Network ®, Registered Investment Advisor.
Invest
Investment Management Services
A Closer Look at our Investment Management Fee Structure
| First $500,000 | 1% of assets up to $500,000 |
| $500,000.01 to $1,000,000.00 | $5,000 + 0.60% of assets over $500,000 |
| $1,000,000.01 to $3,000,000 | $8,000 + 0.45% of assets over $1,000,000 |
| Over $3,000,000 | $17,000 + 0.30% of assets over $3,000,000 |
This is a blended fee schedule.
These services are available for anyone enrolled in our Foundational Planning, Plan, Partner, or Transform services. We don’t offer Investment Management Services outside of these services.
We begin all relationships with both Comprehensive Planning and Investment Management services.
Once this mutual foundation is built, we provide you the option to work together on a Comprehensive Planning basis, or transition solely to Investment Management.
- Alignment of investments with personal values
- Independent fiduciary investment advice
- Risk tolerance & time horizon review
- Evidence-based portfolio construction
- Custom non-qualified account construction for tax management
- Disciplined diversification across all U.S. and international asset classes
- Investment strategy and portfolio review with strategic rebalancing
- Tax loss harvesting and capital gains management
- Individual Retirement Account (IRA) contribution and Required Minimum Distribution (RMD) tracking
- Monthly account statements and financial education
- Quarterly performance reporting
- Annual purpose and portfolio meeting
In the world of financial advisors, Concentric Private Wealth offers a refreshing difference – an upfront transparency of costs, the time, and knowledge required to help you get where you need and want to be.
Trust should start at the beginning of deciding which advisor has YOUR best interests at heart. So that’s how we work as fiduciaries – no surprises, no guesswork, no agendas.
This transparency is coupled with a belief that we can’t possibly advise you on what, until we first ask you why. Why do you feel this way or that about life events, past present and future? Why do you believe passionately in this, over that? Shouldn’t a discussion about goals and values come before advice on dollars and cents?
Both Comprehensive Planning services and Investment Management services.
Our goal is to provide transformational value by centering your financial behavior on what matters most. We work with clients who see the value of transformation as more persuasive than the cost of services.
Years One and Two
Foundational Planning
This is all about discovery – the crucial exploring and learning required to lay the foundation.
With a two-year commitment, and a $10,000 minimum* fee per year, Foundational Planning includes:
Clarity where you are today
- Clarify and prioritize your values, needs and goals
- Explore what you need to feel safe NOW
- Independent fiduciary analysis by CFP® professionals:
- Cash Flow/Budget
- Insurance
- Employee Benefits
- Investments
- Income Tax
- Short-Term Goals
- Financial Independence
- Retirement
- Estate
- Online Investor 360° client portal access with secure messaging and document storage allowing you to see the big picture by viewing all your accounts in one place
Confidence for your tomorrow
- Thoughtful integration of your values, needs, goals and resources with your planning
- Development of comprehensive financial plan with multiple scenarios based on historical data and sophisticated modeling
- Curated implementation of immediate and long-term strategies supporting financial independence by CFP® professionals acting in your best interests
- Personalized risk mitigation strategy designed with access to independent insurance platform
- Coordination and development of your team of professionals (i.e. CPA, attorney, executive coaching, etc.)
- Annual 30-minute group benefit & strategy video call
- Structured and personalized ongoing engagement throughout the year addressing key planning topics
- Behavioral Financial Advice coaching by BFA™ professionals to support personal growth and character strength development leading you to your best life throughout the year
- Access to expert sounding board for your personal, professional and financial decisions
- Interactive online access to your financial plan through financial planning software tool
- Pro-active monitoring to evolve your strategy to account for economic, market, political, regulatory and personal changes
Years Three and Beyond
Plan
We Plan
A yearly, high-level analysis of your key financial objectives – with strategic input to move forward on a more structured independent path. This plan starts with a $3,500 a year minimum*.
Plan includes:
- Prioritize values, goals, and needs
- Analyze financial position
- Cash flow analysis and planning
- Employee benefit review
- Financial independence
- Retirement strategy
- Implement and monitor wealth management strategy
- Investor 360 client portal access
- WealthGuide platform access
- Executive summary and action items
- One 90-minute strategy meeting
Costs NOT included in Plan:
- Additional planning needs outside of baseline platform offerings
- Investment management fee
- Administrative/maintenance account fees
- Commissions on fixed insurance policies
- Professional services to whom we may refer you
Partner
We Plan, You Expand
For those who value an additional check-in – helpful for adapting to changing life circumstances, major or minor, and navigating accordingly. This plan starts with a $6,000 a year minimum*.
Partner includes:
- New Year intentions, needs, goals and beliefs kickoff
- Annual assessment supporting intrinsic driver development and alignment
- Life and values-centric planning
- Formal group benefit and compensation review
- Two 90-minute strategy meetings
- Plus everything included in Plan
Costs NOT included in Partner:
- Additional planning needs outside of baseline platform offerings
- Investment management fee
- Administrative/maintenance account fees
- Commissions on fixed insurance policies
- Professional services to whom we may refer you
Transform
We Plan, We Coach, Your Transform
Our most dynamic and accessible relationship – as needed, we become a proactive sounding board, offering analysis and insights to optimize your financial and personal growth. This plan starts with a $8,500 a year minimum*.
Transform includes:
- Annual strength assessment and personal development support
- Behavioral Advice Coaching
- Collaborative tax and estate planning throughout the year
- Two 2-hour strategy meetings
- Plus everything included in Partner
Costs NOT included in Transform:
- Additional planning needs outside of baseline platform offerings
- Investment management fee
- Administrative/maintenance account fees
- Commissions on fixed insurance policies
- Professional services to whom we may refer you
Ongoing
Investment Management Services
As you need or desire, our Investment Management services include:
These services are available for anyone enrolled in our Foundational Planning, Plan, Partner, or Transform planning engagements. We don’t offer Investment Management Services outside of these services.
- Alignment of investments with personal values
- Independent fiduciary investment advice
- Risk tolerance & time horizon review
- Evidence-based portfolio construction
- Custom non-qualified account construction for tax management
- Disciplined diversification across all U.S. and international asset classes
- Investment strategy and portfolio review with strategic rebalancing
- Tax loss harvesting and capital gains management
- Individual Retirement Account (IRA) contribution and Required Minimum Distribution (RMD) tracking
- Monthly account statements and financial education
- Quarterly performance reporting
- Annual purpose and portfolio meeting
- 1031 exchanges
- Baby/Adoption
- Blended family
- Business exit, sale, transition
- Buy-Sell agreements
- Career change
- Charitable giving
- Debt management
- Disability insurance
- College/Education
- Eldercare
- End of life planning
- Estate
- Executive compensation
- Financial organization
- Healthcare
- Income Tax
- Investments
- Life Insurance
- Long-Term Care insurance
- Medicare
- Money Smart Kids
- Multi-generational
- Pension optimization
- Personal Finance 101
- Refinancing
- Sabbatical
- Social Security
- Student loan repayment
- Wealth transfer