Clarity When You Need It
Wherever you are on your journey, we empower a motivated approach to your life and your finances.
Yes, We Can Help With That
INVESTING
CASH FLOW
TAX PLANNING
EDUCATION PLANS
CHARITABLE GIVING
RISK PROTECTION
ENTREPRENEURSHIP
EMPLOYEE BENEFITS
LEGACY BUILDING
EQUITY COMP
Initial Financial Planning Process
Real Conversations Clarifying Your Finances
Are you looking for a financial planning process that excites and drives you toward a clearer future?
Meeting ONE
Get Organized
How do you approach financial decisions? We’ll find out as we listen and learn about your planning and financial needs. We’ll clarify your financial picture and understand your perspectives about money. While we explore and define your criteria for success, we’ll get to know you and learn how you feel seen and supported. Together, we’ll ensure your financial details are aligned and expertly organized.
Meeting TWO
Clarify Your Vision
Our philosophy is that money is just a tool, not the end game. How can you maximize your resources now and in the future, allowing you to prioritize the people and experiences that inspire you? We will help you identify your true financial goals and objectives, and start crafting your unique vision and statement of financial purpose. This statement will serve as our north star as we work to align your assets with your values and ideals. And yes, we do hope you leave this conversation delightfully surprised, “Wait did I really talk about that with my financial planner?”
Meeting THREE
Review Current Path
We know the question that led you to engage a financial planner in the first place: “How are we actually doing?” We will review your current path with a focus on education, ensuring to address any questions you may have about your existing finances. Always keeping an eye on your desired future, we will guide you through the initial stages of reorganizing your financial puzzle by identifying some quick wins. With a full understanding of your current situation, we can better work towards securing a clearer financial future for your family.
Meeting FOUR
Implement an Actionable Plan
We understand you have a busy life, so we don’t believe in the static 40-page financial plan. You will leave this meeting with your cash flow organized and an actionable plan so you can confidently make progress. Our process is dynamic and intended to help you implement each piece of the plan in order of importance via clear and manageable steps. We will serve as your accountability partner, offering gentle reminders when necessary as well as allowing time for reflection to make better decisions.
Ongoing Planning Process
Dedicated Meetings Throughout the Year
We know that change is a constant and your financial plan is a reflection of this. Our proactive approach to financial planning has us meeting at intervals throughout the year and uncovering opportunities for optimization, managing risk, and building assets. Our calendars, reminders and recommendations will continue to free your time and energy for the things that you value in life.
Ongoing Planning for Your Evolving Life
Investment Management
Goals + Risk Capacity → Investment Strategy
You’ll never face pressure from our firm to hold your investments with us. So, no matter where you have your investments, we’ll help you incorporate them into your financial picture. If you decide to utilize our in-house investment services, we will manage your funds at our custodian, Charles Schwab. Through our work as fiduciaries, we do not promote or support unnecessarily costly and complex investment products. Rather, we operate in your best interest through balanced, low-cost investment vehicles. Centered on ETFs, we align, optimize, and rebalance based on your risk tolerance and time horizon. Our investment philosophy focuses on only what we can control: minimizing taxes, staying disciplined during market fluctuations, and letting you know when you are taking too little or too much risk.
PRICING
Annual Comprehensive Planning Fees
These are baseline fees per household size and are billed monthly or quarterly in advance.
| Individuals: | Couples: | Households: | ||
|---|---|---|---|---|
|
Year 1 |
$4,950 |
$6,400 |
$7,200 |
|
|
Years 2+ |
$4,200 |
$5,400 |
$6,000 |
|
|
|
Includes Assets Under Management up to: |
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|
|
$500K |
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Complexities such as clients operating as solopreneurs, requiring assistance with equity compensation, and/or real estate are subject to an additional $1,200/annually. |
The annual fee above includes investment management up to the stated threshold. However, there is zero expectation for our households to hold their investments with Upbeat Wealth. |
Assets under management (AUM) exceeding the threshold are subject to our Investment Management Fee schedule in the section below.
Have more assets?
| Assets Under Management: | Fee |
|---|---|
|
$0 – $1M |
0.75% |
|
$1M – $2.5M |
0.50% |
|
$2.5M+ |
0.25% |