CHESTNUT BEACH WEALTH SERVICES & FEES
Building wealth and staying wealthy are two different skills.
Fee-only financial planning, three ways to work together
A single answer, a full plan, or an ongoing partner.
ASK ANYTHING
60 Minute Call
One hour of advice. Flat hourly fee of $300.
Intended for: Young professionals, newly married couples, and anyone facing a big decision.
- Big decisions: home, family, career
- Near- and long-term outlook
- A second opinion on tax-aware investing
- Tax strategies and opportunities highlighted
REAL FINANCIAL PLANNING
Build Your Wealth System
One-time flat fee: $3,000 for individuals, $5,000 for couples, $6,500+ for more complex plans.*
Intended for: People who want a full plan and prefer to invest on their own.
- Build your complete financial plan
- Tax strategy, asset protection, retirement, education funding, diversification, and estate coordination
- Planning toward financial independence
- Collaboration with digital estate planning platforms to help you create and organize your estate documents*
- Fee fully credited toward Ongoing Advisory when you continue
FINANCIAL PARTNERSHIP
Ongoing Advisory
Tiered annual advisory fees ranging from 0.50% to 0.85% of assets under management. Financial Planning included.
Intended for: People who want their investments looked after in a tax-efficient way, so they can focus on the rest of life.
- Full financial plan included and updated as your life, tax, estate laws change
- Coordination with CPA and attorney
- Partner for major financial decisions
- Check-ins throughout the year
- Portfolio management at Schwab
* I collaborate with digital estate planning platforms like EncorEstate Plans or Wealth.com to help you build and organize your estate documents. I coordinate the process and act as your accountability partner, but I do not practice law or provide direct legal advice. Legal documents generated through these partners are reviewed and validated in accordance with state laws.
* Fees are described in my Form ADV Part 2A. Planning fees are fixed and set by the complexity of your situation, as discussed in your initial discovery meeting. Consulting fees are due upon engagement. The Ongoing Advisory fee is a percentage of assets under management. Portfolio management is provided through Schwab.
CHESTNUT BEACH WEALTH FEE SCHEDULE
Account Value
Annual Advisory Fee
$0 to $1,000,000
0.85%
$1,000,000 to $3,000,000
0.75%
$3,000,000 to $5,000,000
0.65%
$5,000,000 and Above
0.50%
building your wealth system
How Fee-Only Financial Planning Works: Steps and Timeline
Understand
We start with a discovery meeting before any numbers. What does your wealth need to support? What does the life you envision look like? That becomes the foundation of your plan.
Organize
You upload your account, estate, insurance, and tax statements to a secure portal, and your full financial picture comes together in one place. I analyze each piece for taxes, investment fees, diversification, cash management, and beneficiary designations.
Design
We start with what it costs to live the life you love, and that guides your cash management and investments. We organize your capital into three buckets: Liquid Cash, Time-Matched Bonds, and Growth & Legacy.
Your Plan, Delivered
Your goals and numbers become one intentional plan. We walk through my recommendations for cash flow, taxes, insurance, education, retirement, and estate planning, including how to implement each one. You leave organized, knowing where you stand and what happens next.
Ongoing Support
A plan is a living document, and we keep it current together. Ongoing meetings cover plan adjustments, investment reviews, tax planning, and family conversations about what your wealth is for and who it is for. Each year we step back for a full review. When a big decision arrives, like selling a home or business or helping your kids, I’m one call away.
Included with Ongoing Advisory. Not included with Build Your Wealth System.