Are you looking for ongoing financial advice and investment management?

What we offer

We are in the business of providing financial advice (not selling products) and receive compensation for the value of advice through ongoing planning and management of all aspects of your finances. In addition to management of your investments and tax minimization planning our services include less quantifiable benefits such as assessments, behavioral coaching, goal optimization, and savings guidance. Additionally, we can coordinate the preparation and filing of your income tax returns through Powers Tax Preparation, a separate company that's under common ownership with SkyBlue Wealth Advisors.

Tax planning

It’s not enough to simply build wealth, you also must maintain it. We work to help minimize your taxes and maximize your outcomes with a focus on reducing your lifetime tax liability. Specific to your retirement, we help you establish a tax-efficient investment and distribution strategy, which may include:

Tax Bracket Planning
Social Security Planning
Medicare Planning

Retirement planning

Retirement planning can be both exciting and unnerving at the same time. Risks in the stock market, health care, longevity, inflation, long-term care, and losing a spouse are just a few of the uncertainties you will face. We use an ongoing process to ensure that you can live out your retirement dreams with the least amount of risk possible. Our process includes:

Defining what goals are most important to you
Improving the probability of success in achieving your goals
Aligning your investment strategy with your risk tolerance and financial goals
Creating an income plan
Reducing your tax burden
Stress testing your retirement plan
Maximizing wealth transfer to your heirs

Investment management

We implement investment solutions specifically designed to help you achieve your retirement goals.

Using information gained through our personal conversations with you, we develop a custom investment plan and allocation target. In building the plan, we are guided by your specific objectives and tax considerations. It is this plan that guides all portfolio decisions.

We take a passive approach to investment management to minimize fund and transaction costs and taxes and to avoid behavioral biases associated with trying to time the market. We utilize low-cost exchange-traded funds (ETF’s) to build and manage custom portfolios.

For whom is this service best

We understand that every individual has unique preferences and needs when it comes to managing their finances. That's why we offer customized financial advice based upon your specific style and comfort level. With our comprehensive range of services, we empower you to choose the approach that suits your financial goals.

The Delegator: For the Delegator, time is valuable, and they prefer to entrust their financial matters to a financial advisor. They value and appreciate having a dedicated professional to manage their finances. This is the strongest relationship type.

The Validator: The Validator (aka Learn-it-Yourself) seeks the leading role. They value collaboration and periodic professional engagement to support their active participation.

The DIYer: The DIYer enjoys taking a hands-on approach to managing their finances. They appreciate independence and prefer to implement all of their decisions. This is most frequently a limited engagement.

What it costs

We are fee-only, commission-free advice givers. Unlike many advisors, our fees are not tied to product sales. We have a firm belief that commission products do not align with the complexity of your financial life and therefore a poor solution for proper planning and advice. Fee-only options include:

Investment Management: This fee model is based on the total amount of money we manage for you. We charge up to 1.25% on the first $1 million invested, reduce fees on the next $1 million to 0.50%, further reduce the third $1 million to 0.25% and cap at $15,000 annually.

Ongoing Financial Planning: An ongoing relationship, fees are billed monthly or quarterly in advance, ranging from $1,000-$3,750 quarterly or $250-$1,250 for monthly. The fee range is dependent upon variables including the specific needs of the client, complexity, estimated time, research, and resources required to provide services to you, among other factors we deem relevant. Fees are negotiable.

Project-Based Planning: The client retains the advisor for project-based financial planning services on a limited one-time engagement. This is a good option for those interested to learn and implement planning recommendations on their own. Fixed fee rates range between $6,000 to $20,000. Our hourly rate is $400. This option does not include an ongoing relationship beyond the scope of engagement.

* The fee may be higher if you are a business owner, have a highly structured legal estate, own private or illiquid investments or otherwise have a lot of complexity in your financial life. We will quote you the final fee after having an introductory call

Next steps

Thank you for your interest. We're happy to have an introductory call with you and offer a Schedule tool for convenience