Our Services
Compensation for our Services
Not all firms charge for services in the same way. We will discuss your options and answer any questions you have. Our initial consultation and review of your existing investments and other products is complimentary. We strive for complete transparency of our compensation.
Client Advocacy
Your association with our agency provides access to a unique platform to introduce our philosophy to others you respect & care about most. In doing so, you are helping others enjoy the same financial confidence you do by sharing our relationship.
We want our clients to feel confident in making an introduction to other professionals, friends they feel would find value in our work and that match our ideal client.
Fee Based Planning
Our initial consultation is at no cost to the client. If, at the end of the initial consultation, the client wishes to retain our services, the fees for the scope of the work will be determined based on your individual situation by the end of the meeting.
We will analyze your financial and /or investment situation including, but not limited to the following:
| Income or Assets* ( > of the two) | Planning Fee |
Income $0 - $100,000 Assets 0$-500,000 | $850 |
Income $100,000 - $300,000 Assets 500,000 $1,000,000 | $1,900 |
Income > $300,000 Assets > $1,000,000 | $3,400 |
Net Worth Statement
Investment Analysis – The process of evaluating the advantages and disadvantages of current and proposed securities investments as compared to other investments. Determination of plan investment objectives. Provision of advice as to the selection or retention of an investment manager or managers. Periodic review of asset allocation and of changing financial circumstances that may impact plan investment objectives.
Estate Planning – The collection of preparation tasks that serve to manage an individual’s asset base in the event of their death, including the bequest of assets to heirs and the settlement of estate taxes.
Retirement Planning – The process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning generally includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine the viability of achieving retirement income goals.
Business Planning – The goal of a business succession plan is to establish strategies for business partners/shareholders to provide for future ownership of a business when certain events, such as death or incapacitation, occur. This type of consultation may also include advice on how to fund a buy-sell agreement.
Cash Flow Planning – The process of assisting an individual with their personal finances. This process includes gathering data about a client’s income and expenses to formulate recommendations to help the client meet their financial goals.
Goal Planning (e.g. Education Planning) – The process of projecting the estimated capital needed for a specified goal, such as education, a wedding, or other major purchases. The analysis takes into account the current assets earmarked for a specific goal and provides a client with various alternatives available, based upon such factors such as modifying the time or amount of the goal, additional or alternative savings and investment strategies, and risk tolerance.
Risk Analysis – The process of addressing the ability to protect against unexpected events and is usually addressed with insurance products. Specific analyses and recommendations in this area address: life insurance, disability insurance, long term care Insurance, and health Insurance, home and auto Insurance Analysis (a plan cannot be provided solely on Insurance recommendations.)
Please note that the Financial Consultation shall not include recommendations as to specific products.
Client is under no obligation to purchase any products or additional services from or through PAS or any of its affiliates. However, at the Client’s request, the Financial Adviser will assist the Client in purchasing specific investments, insurance and other financial products to help the Client implement the recommendations, advice or suggestions. In this case, the Financial Adviser will be acting in a separate role as a registered representative or investment adviser representative of PAS, a registered broker/dealer and investment adviser, and/or as an agent of Guardian and/or its affiliates. These products may include products offered, issued or distributed by PAS or its affiliates. If the Client purchases such products from or through the Financial Adviser or PAS or its affiliates, PAS may receive compensation and the Financial Adviser may receive a commission or additional fees. These payments are in addition to the fee the Client pays for the financial consulting services.