"Simplicity is the ultimate sophistication"
                                           
-Leonardo da Vinci

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OVER COFFEE FINANCIAL

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I want to keep financial planning simple. It doesn't have to be complicated with lots of tactics and schemes to reach goals - the science shows us that.

COMPREHENSIVE FINANCIAL PLANNING
SCIENTIFICALLY-BASED INVESTMENT MANAGEMENT
TAX PREPARATION, REPRESENTATION + ADVICE

Simple doesn't mean easy, however, and the financial planning process can be a lot like marriage. You have to continually work at it to get the best results.

30 years of increasing costs

Few things in life are certain - death, taxes, and the ever-increasing costs of food, electricity, and healthcare. When considered, Financial Planning is essentially an evaluation of how we balance spending today with our future need for income that must pay for future expenses, that constantly rise, during a time in life when our savings must provide us income.

Simply put, financial planning helps you determine the ways to best structure your world to accommodate the need for spending, saving, and investing now and in the future.

Anything else is excess complexity.

PROFESSIONAL FEES

 

A client's fees are based on the total value of their household investable assets. This includes the value of employer-sponsored accounts like 401(k)s and 403(b)s; qualified accounts like IRAs and Roth IRAs; non-qualified accounts like taxable investment accounts and savings accounts - to the extent that they are used in considering the entire portfolio.

That value assigns the professional fee and asset management fee. When a new client agreement is signed, an initial fee (a portion of the professional fee) is due and the remainder of the fee is billed upon agreement.

The asset management fee (AUM Percentage) is a separate fee assessed on the assets directly managed by OCF. These assets may include qualified and non-qualified accounts, but not employer-sponsored accounts for which we cannot deduct fees.

Total of all Investment Accounts
Professional Fee
Financial Planning Fee - Advanced Payment
Assets Under Management Percentage
Less than $100,001
$1,800
$500
1.00%
$100,001 to $250,000
$2,300
$600
0.90%
$250,001 to $500,000
$2,900
$700
0.80%
$500,001 to $1,000,000
$3,600
$900
0.70%
$1,000,001 to $2,000,000
$4,500
$1,100
0.65%
$2,000,001 to $4,000,000
$5,600
$1,400
0.60%
Greater than $4,000,000
$7,000
$1,800
0.55%

AS FEATURED IN

 
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CONTACT ME

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