Financial planning can be overwhelming.

We believe that we are very good at helping our clients implement their financial plan.

A  plan that is implemented is far better than any plan collecting dust on a shelf.

We give our new clients simple & concise next steps to help them go from where they are to where they want to go.

Generally, this is two to three tasks to accomplish between now and the next time we meet. Our goal is to limit overwhelm to create positive momentum.

The most important part of any plan is the ongoing review of the plan.

We know that even with a financial plan in place, nothing is permanent. Life is always changing.

And we’re here to make sure your financial plan changes with it. So, no matter what is coming at you, you’re in the best financial position possible.

During the onboarding process while we are implementing the plan, there will be numerous meetings to make sure that we are continuing positive momentum and building the foundation for a successful long-term planning relationship.

After the initial implementation of the plan, we will do a first statement review.  At this time, we will go through the statement together, setup your access to view your accounts online, and answer any questions you may have.

On an ongoing basis, we’ll conduct one formal annual review per year for our advisory fee based relationships to evaluate the entire plan and make any updates or course corrections as needed.

However, we also believe in the power of ongoing communication and we want to meet with you whenever you experience any major life event (changing jobs, retirement, new job, relocation, major purchase, etc…) or have a financial question (refinance, can we afford private school, what happens if my parents need care, etc…).

These micro-meetings are separate and distinct from the annual review and ensure we’re available not just once a year – but whenever you need us!

We work with high achieving professionals typically in their 40’s and 50’s. Our typical family is married, three kids, and a dog.

We enjoy working with families who see the benefit in hiring a guide to help with ongoing planning. These families understand the incredible value in building, maintaining, and transferring wealth to their loved ones over decades, not days.

The families that we work with are hungry to get their financial ducks in a row. They want to have their estate planning documents in place. They want to ensure their family is ok if something happens by having appropriate levels of life, disability, and long-term care insurance. They want to make sure they are investing enough to fund their dreams, goals, and aspirations.

Most prospects that we meet have either already saved & invested their first $500,000 or have household family income above $250,000. But, at Know My Plan, we do not have minimums. We want to maintain the flexibility to work with great families with a shared vision.

We have a competitive standard fee range which is an asset-based fee* (based on the investable assets that we manage). This fee covers your financial plan, ongoing support, and investment management. (see simple explanation below)

We predominantly utilize exchange traded funds and are committed to building low-cost diversified portfolios.

Our advisory accounts do not have commission or transaction fees.

We are a hybrid financial planning team which means that we can charge advisory fees, but we can also receive commissions on brokerage accounts. We think it is critically important to be able to offer both advisory and commission-based products.

Many insurance based products are only available on a commission basis. We think it is imperative for our families to have appropriate levels of life, disability, and long-term care insurance. We don’t want to outsource that out to a 3rd party. We want to be involved in that process.

When commissions are involved, we will clearly communicate that with you.

Simple explanation: Our asset management fee does not include expense ratios, which are the price of investments that must be paid by all investors, no matter if they are working with an advisor or managing their investments on their own. This fee varies depending on the investment. If your investments will include expense ratios, we will keep you fully informed so there are never any surprises or unexpected expenses.

*We primarily offer fee-based advisory services charging a flat fee based on a client’s total assets under advisement. However, if deemed appropriate and in our client’s best interest, we also provide commissioned brokerage services. Though our financial advisor provides clients with great care and recommendations, advisors only have a legal fiduciary obligation to advisory clients. In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2 as well as the client agreement. Services rendered will be dependent on applicable agreements.

Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

ETF shareholders should be aware that the general level of stock or bond prices may decline, thus affecting the value of an exchange-traded fund. Although exchange-traded funds are designed to provide investment results that generally correspond to the price and yield performance of their respective underlying indexes, the funds may not be able to exactly replicate the performance of the indexes because of fund expenses and other factors.

It’s easy! It all starts with a conversation. Just schedule a meeting with us to tell us what you’re struggling with, find out how we can help you, and decide if we’re a good fit!

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