Philosophy
Our Fee Model is Purposefully Designed to
- Be transparent
- Make independent financial advice accessible
- Provide simplicity for clients
Investment Management
Household Assets Under Management
- Annual % based on Assets Under Management
- Assets Custodied with SEI Private Trust Company, Altruist, or Betterment for Advisors.
- Held-away accounts (i.e. 401K, 529) can be managed via Pontera
- Quarterly Client Meetings
Plan Assets |
Annual Fee |
Up to $2Mil |
1% |
$2mil - $10Mil |
.75% |
$10Mil - $20MIL |
.50% |
Over $20Mil |
.30% |
Ongoing Holistic Financial Planning
"Effective planning is more than a snapshot of a single space in time. Financial planning should be a living breathing roadmap, serving as your key map to your wealth journey, that permits alignment, monitoring, and adaptability as life happens." - Michelle Gordon
Investably's boutique wealth advisory practice is designed to support clients and their family through their life and financial journey. For transparency, ongoing financial planning fees are a transparent fixed annual fee basis, paid monthly. To remain a true fiduciary in supporting you throughout your life transitions and financial journey, we have created three (3) planning service models to best support you and your family:
Our Planning Service Models
Cultivate Wealth | Geared towards young professionals that are creating a financial foundation. (formerly Emerging Wealth Program)
Aimed at helping clients early in their career or early in their asset accumulation stage to cultivate a strong financial future by planning and investing with the support to focus on their goals and developing financial well-being. Focusing on accumulation and early financial big decisions such as home ownership, early family creation, student loan debt management, etc.
Nurture Wealth | Geared towards mid-career working professionals and entrepreneurs juggling competing financial demand
Aimed at helping more professionally established or small business owner clients with higher income or assets to better nurture their attained professional and business success by coordinating their competing financial demands to align with their bigger picture and financial well-being. Focusing on accumulation for retirement, college savings, business, or other big goals.
Harvest Wealth | Geared towards pre-retirees and retirees or financially independent clients with greater complex needs
Aimed at helping established clients that are financially independent or are either approaching retirement or are in retirement to best harvest their wealth by optimizing strategies and plan among their complex financial needs. Focusing on creating a retirement strategy or managing retirement decumulation income plan, social security analysis, preparation for next life chapter, or active tax planning and estate planning.
THIS IS BEST FOR
Ongoing financial planning is best suited for clients that want an empathetic, trusted professional to help them build a better financial future through increased support and accountability, while they focus on their life goals and enjoy what is most important to them.
Our compensation includes an initial one-time $1,500 onboarding fee and monthly pricing per service plan. For monthly pricing details, see below:
Ongoing Financial Planning Services Plan | Paid Monthly
(Financial planning is complimentary for client relationships exceeding $5 mil assets under management)
Cultivate
Wealth
Plan
$129
What's included:
- Foundational Wealth Planning including budgeting, cash flow, personal net worth, retirement forecast, recommended investment plan
- Personal Wealth Dashboard
- Monthly Financial Health Vitals
- Weekly, Monthly, and Quarterly Market Insights
- Annual Benefits Review
- Annual Risk Monitoring
- Annual Advisor Meeting (1)
- Annual Financial Plan Update (1)
- 10% Discount for Trust & Wills
Nurture
Wealth
Plan
$289
What's included:
- Foundational Wealth Planning including budgeting, cash flow, personal net worth, retirement forecast, recommended investment plan
- Personal Wealth Dashboard
- Monthly Financial Health Vitals
- Weekly, Monthly, and Quarterly Market Insights
- Annual Benefits Review
- Annual Risk Monitoring
- 10% Discount for Trust & Wills
Plus:
- Winter, Spring, Fall Planning (3)
- Annual Tax Profile Review
- Active Tax Planning Sessions (3)
- Tax-smart Charitable Giving
- Optional Add-on: Estate Planning at $2,500 (avg. value of $4K - 10K)
- Optional Add-on: Business Valuation at $1,499 (avg. value of $5K-16K+)
Harvest
Wealth
Plan
$399
What's Included:
- Foundational Wealth Planning including budgeting, cash flow, personal net worth, retirement forecast, recommended investment plan
- Personal Wealth Dashboard
- Monthly Financial Health Vitals
- Weekly, Monthly, and Quarterly Market Insights
- Annual Benefits Review
- Annual Risk Monitoring
- Winter, Spring, Fall Planning (3)
- Annual Tax Profile Review
- Active Tax Planning Sessions (3)
- Tax-smart Charitable Giving
Plus:
- Complimentary Annual Business Valuation
- Ongoing Estate Planning including Annual Estate Snapshot Report plus free Estate Planning documents
- Annual Retirement Monthly Income Management
- Annual 1035 Evaluations
- Annual Social Security Analysis
- Annual Medicare Review
- Roth Conversion Management
- Unlimited Advisor Meetings
One-time Comprehensive Financial Plan
Investably is a boutique advisory firm focused on long-term client relationships with ongoing financial planning and investment management. We understand there are clients that are proficient and like managing many things on their own but may be experiencing a life transition such as inheritance or big life decision and want an objective, independent audit that is comprehensive for example including tax strategy, investment audit, estate planning, etc. We offer a one-time comprehensive financial plan based on a transparent and fixed one-time project fee based on the complexity and scope of the planning project so clients only pay for what they need.
What is Included?
- One-page Financial Plan
- One-page Financial Independence Status Report
- One-page Financial Health Vitals
- One-page Portfolio Snapshot
- Tax Profile Snapshot
- Estate Snapshot
- Longevity Health Cost Assessment
- Personalized Investment Strategy for Wealth Accumulation or Retirement Decumulation
One-time Micro Plan
One-time micro-planning services are available on a limited basis to clients wanting professional and independent guidance on any one of the following single subjects:
What subjects are available?
- 401K / Workplace Retirement Account Audit
- Investment Audit
- Retirement Income Analysis
- Estate Snapshot
- Business Valuation Report
- Tax Profile Snapshot
- College Savings Analysis