Services & Fees

 

Income, Investments, Tax, Insurance, Estate

Through Verbatim, I provide full-service comprehensive financial planning and investment management. I serve clients nationwide, and my services include, but are in no way limited to, those listed below.

 

Unbiased Portfolio Review - $895

First-time clients may engage me to perform an Unbiased Portfolio Review. Clients who choose this option include, “do-it-yourself,” investors, as well as people who already work with a financial advisor, but want an unbiased second set of eyes on their investments and overall financial picture.

For a one-time fee of $895, the Unbiased Portfolio Review includes three hours of consultation services. Should a client engage me for ongoing financial planning and/or investment management services, the $895 fee for the portfolio review will be deducted from their initial quarterly advisory fees.

Ongoing Advisory - $10,000 per year

Financial Planning

  • Retirement Income Planning

  • Investment Management

  • Tax Planning

  • Insurance Review & Evaluation

  • Estate Planning

Investment Management

  • Development of Investment Policy Statements

  • Performance monitoring

  • Discretionary asset management

  • Portfolio rebalancing

  • Tax loss harvesting

Comprehensive planning topics can also include life goals, business ownership, charitable giving, etc.

Done right, the financial planning process is neither quick nor easy. 

Plans for ongoing clients are living documents which change with life events. As our relationship deepens, my clients discover that planning is not just choosing the right investments. Planning is preparing for the future.

I do not deliver a plan in the form of a twenty four page paperweight. Like any good relationship, the financial planning relationship takes time to grow. Though ever changing, the plan gives my clients a much better idea of not only where they want to go, but which road will take them there.

 

Fee Structure

Ongoing Advisory: $10,000 per year

Unbiased Portfolio Review: $895

It’s that simple. Verbatim, you might say. Zero conflicts of interest.

 Do you want a “signed fiduciary agreement,” like some advisors offer? My model makes it unnecessary. There is no incentive for me to do anything but provide honest advice, in the client’s best interest. Full stop.

If you’ve read this far, you’re likely familiar with why Verbatim operates the way it does. For further research on the subject, please consider reading any of the below:

Jason Zweig’s well-known WSJ piece: 10 Questions to Ask Your Financial Advisor

Chris Mamula’s Marketwatch piece: Understanding Conflicts of Interest

Nerdwallet: How a 1% AUM Fee Can Cost Hundreds of Thousands of Dollars Over Time