Wealth & Investment Planning

Overview

What this service covers

Investing without a plan is just purchasing. A wealth plan starts with the outcomes you actually want — a retirement date, a college fund, a second property, an income you cannot outlive — and works backwards to the amount you need to save, where it should sit and how much risk is genuinely appropriate.

We build diversified, low-cost portfolios using index funds and select active managers, held in tax-efficient accounts and rebalanced on a schedule rather than on headlines. Because our planning and tax teams sit together, contributions, withdrawals and account sequencing are coordinated instead of improvised each April.

Who it suits: Best for savers who have built a cash buffer and now want structure, or for investors holding a scatter of accounts with no coordinating strategy.

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1 plan

Written & reviewed

4

Reviews per year

0.55%

Typical advisory fee

100%

Independent advice

What's included

Everything in this engagement

No add-on fees and no surprises. Here is exactly what our team delivers when you engage us.

Written financial plan covering retirement, education and liquidity
Diversified, low-cost portfolios matched to your risk capacity
Tax-aware contribution, conversion and withdrawal sequencing
Cash-flow and emergency reserve planning before any investing
Quarterly performance reviews and an annual full plan refresh
Estate and beneficiary coordination with your attorney

Start with a free review

Typical eligibility

No minimum to start planning — only to open a managed portfolio
A clear savings capacity of at least $250 per month is ideal
Willingness to share a complete picture of assets and debts
A horizon of at least three years for invested capital

Indicative only. Every application is assessed individually, and we will tell you honestly if the timing is wrong.

Talk it through first

Twenty minutes on the phone is usually enough to know whether this is the right route for you.

Book free consultation

Process

How the engagement runs

Four steps, clearly defined, with a named advisor throughout.

01

Free consultation

A 30-minute call to understand what you need and whether this product is genuinely the right fit.

02

Document review

We collect income, identity and account evidence once and reuse it across every lender we approach.

03

Options in writing

A side-by-side comparison with rates, costs, risks and timelines, plus a clear recommendation.

04

Approval & review

We manage the application through to completion, then schedule a review so the arrangement still fits.

FAQ

Wealth & Investment Planning questions

The questions our advisors answer most often about this service. If yours is not here, ask us directly.

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Planning engagements are available with no minimum. Managed portfolios typically begin at $25,000; below that we recommend a simple automated allocation you can run yourself, and we will set it up with you at no charge.

A flat advisory fee — typically 0.55% of assets under advice, billed quarterly — disclosed in writing. We do not earn commissions on funds we recommend, and we are not tied to any single fund family.

We do not promise that, and nobody honestly can. Our job is to capture market returns efficiently, control cost and tax, keep you invested through volatility, and make sure the portfolio matches your actual goals.

Your plan includes a pre-agreed response, written before any downturn. Usually that means rebalancing into cheaper assets and drawing from the cash reserve rather than selling equities at the bottom.

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