Comprehensive Financial Planning
What to expect:
Introductory Meeting:
- 30 minute meeting to determine if we are a good fit to work together.
- Overview of client’s current financial situation, goals, and values.
- Review of financial planning services and process.
- Address any questions about services offered.
- Additional meeting for a demonstration of financial planning process is offered.
On-Boarding Meetings:
- 60 minute meetings, virtual or in-person if local.
- Typically one to three meetings to establish base plan for financial planning work.
- Determination of client’s goals, values, and risk tolerance.
- Review of recommendations, areas of opportunity and areas of concern.
- Prioritize next steps.
- Topics covered are tailored for each client and will include a review of all the key issues of financial planning including: investments, cash flow, tax planning, family risk management, retirement planning, education planning, legacy planning, major life transition planning.
- Written, detailed outline of meeting discussion and to-do items provided.
Follow-Up Meetings:
- 60 minute meetings, virtual or in-person if local.
- Review progress to date.
- Update the client’s goals.
- Make revisions to the financial plan, goals, or investment portfolio as needed.
- Assistance with implementation of recommendations.
- Prioritze next steps.
- Model unlimited What-If Scenarios to see the impact on financial plan for potential changes to the plan.
- Review of recommendations, areas of opportunity and areas of concern.
- Written, detailed outline of meeting discussion and to-do items provided.
Ongoing Communication:
- Unlimited emails and calls for accountability, guidance, or updates as needed.
- Planning meetings scheduled as often as needed.
- Ongoing correspondence from AFP on relevant financial topics.
- Unlimited access to client portal, including performance reporting, personal financial reports, and the ability to see the effects of different scenarios on financial plan.
- Financial accounts are securely linked in the financial planning software which enables continuous updates to financial data and reports.
Fees:
$6,000 per year flat fee, paid quarterly.
- Flat fee includes all comprehensive financial planning services.
- Investment management fees for assets which are directly managed are 0.5% of assets under management and is in addition to the flat financial planning fee.
Investment Partners
Brent Burns
Brent brings more than a decade of financial and investment experience to his work in applying academic research to the development of practical and innovative portfolio strategies. Brent’s deep background in empirical finance helped form the basis for all of Asset Dedication’s modeling and analysis. Brent holds an MBA with honors from the University of San Francisco and a BS from the University of California, Berkeley.
Daniel Yeoman
Dan joined Asset Dedication in 2012, when his startup, AdvisorShip merged with Asset Dedication. At AdvisorShip, Dan helped numerous leaders in the independent financial planning space build their businesses with website development, online marketing, and technology integration. Prior to AdvisorShip, Dan was an independent technology and business consultant for various management consulting firms and startups. Dan earned his BS in Business Administration with a concentration in Finance from Babson College.
Jeremy Fletcher CFA
Jeremy has been in fixed income management since 1991. Most recently he co-managed the $3.5 billion fixed income investment pool at the City and County of San Francisco, where he created and implemented the strategy to deliver safety, liquidity, and yield to the pool’s constituents while providing cash flows for daily operations. Previously, he was a portfolio manager responsible for over $2 billion in fixed income assets at American Century Investments. Jeremy earned his BA in Economics/Mathematics from Claremont McKenna College and holds an MBA from the University of San Francisco.
Stephen J. Huxley PHD
A recognized leader in finance, investing and economics, Stephen has more than 35 years of experience researching and applying decision theory to real world problems. His prize-winning research in scheduling led to the development of the Asset Dedication approach, which applies a time and goals-based approach to asset allocation. His work ultimately led to the book Asset Dedication: How to Grow Wealthy with the Next Generation of Asset Allocation (McGraw-Hill, 2004), which he co-authored with Brent Burns. Stephen holds a doctorate in economics from the University of California at San Diego and an undergraduate degree in business and statistics from Ohio State University.
More Services:
Portfolio Review
Investment Advice
Retirement Planning