How Would You Like To Work With A Financial Advisor?

Financial advice is not a "one-size-fits-all" proposition, so why don't advisory firms ask you how you want to work with them?

Recognizing this, we offer three levels of service for our clients based on their needs and goals: The Intentional Financial Planning (our proprietary program), Investment Only and Situational Services.

Take a minute and watch our short video and look at the specific descriptions below. If you're in the market for advice, you'll find a level of service that is right for you.

Choose Your Level of Service

 

Intentional Financial Planning

Intentional Financial Planning is our proprietary process for clients looking to clarify, simplify, and organize their financial lives. They see value in working with an experienced advisor to take a holistic approach to defining goals, analyzing options, making informed decisions, and implementing strategies to achieve their goals.

Intentional Financial Planning clients work with us on an ongoing basis to stay informed, access expertise, and make adjustments as changes occur.

Services

Intentional Financial Planning Clients work with us to design and implement an integrated financial plan covering the aspects that affect their financial life including, but not limited to: Financial Position, Retirement Planning, College Savings, Insurance Planning, Tax Strategies, Estate Planning, and Advanced Planning Topics. During the first year of the process, we will design and implement a client’s plan based on the timing that is convenient for the client. Year two and beyond will follow our Calendar of Services, with the flexibility for exceptions based on the client’s circumstances.

Fees

Fees for Intentional Financial Planning typically range from $1,500-$3,000 depending on the number of topics covered and complexity of the case in a given year. Fees for The Intentional Financial Planning process are specifically for comprehensive financial planning, however they may be offset by asset based fees generated from invested assets through Bonfanti Investment Services, LLC. Asset based fees can be found in the Investment Only Client schedule to the right.

 

Situational Clients

Situational Clients seek targeted solutions to specific goals or situations. Situational Clients work with us on a limited basis to seek guidance on the most appropriate solutions for their circumstances and goals, which may include:

  • Investment Strategy (One-Time)

  • 401k Allocations

  • Life Insurance*

  • Disability Coverage*

  • Long Term Care*

  • Choice of Financial Planning Areas

Services

Situational Clients receive guidance, advice and service related to their specifically defined needs and concerns. Topic areas are listed below.

Ongoing service and support is provided as it relates only to the work performed. Additional services, outside of the scope of work defined, will be determined separately, as requested or recommended.

Investment Management and Financial Planning services are available separately.

Fees

Situational financial advice is provided on an hourly basis, at a rate of $150 per hour.

*Insurance products implemented through Bonfanti Insurance Services, LLC, an affiliated company, do not incur hourly fees.

Investments Only

Investment Only clients seek to simplify their lives by seeking a professional with knowledge and experience to develop, maintain, and align their investment strategy with their financial goals.

Investment Only clients seek to responsibly manage their portfolios by outsourcing the research, analysis, selection and management of their accounts over time to a professional rather than spending the valuable time necessary to do these tasks effectively.

Services

Investment Only Clients work with us to design and implement an investment strategy appropriate to their capabilities, situation, risk tolerance and goals. Investment Only Clients receive ongoing investment guidance and service including, but not limited to:

Annual Review of Accounts

Review of Financial Position

Quarterly Performance Reporting

Portfolio Rebalancing

Tax Harvesting Strategies

Account Type Recommendations

Fees

Investment Only Clients receive discretionary direct asset management services based on total assets under management as follows:

Assets Under Management   Annual Fee:

$0-$1,000,000           1.0%

$1,000,001-$1,500,000      0.95%

$1,500,001-$2,000,000      0.90%

$2,000,001-$2,500,000      0.85%

$2,500,001+         Negotiable

 

Comprehensive Financial Planning Topics

  • Short Term Goals

  • Cash Flow Review

  • Net Worth Tracking

  • Debt Service

  • Emergency Funds

  • Life Insurance

  • Disability Insurance

  • Long Term Care Planning

  • P&C Coverage Review

  • Open Enrollment Review

  • Intermediate Goals Planning

  • Education Planning

  • Advanced Strategies

  • Account Type Selection

  • Tax Strategies

  • Retirement Income

  • Asset Allocation

  • Annuities

  • Social Security Optimization

  • Pension Maximization

  • Gifting

  • Estate Plan Review

  • Stock Options

  • Net Unrealized Appreciation

  • Long Term Goal Planning

  • 401k Allocations