Fee-Only Financial Planning – $175/hour

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Financial Planning hourly service fees are based on the actual time needed to complete your plan. When combined with investment management, some areas will overlap and those hourly fees will be reduced and/or eliminated. The financial planning engagement typically takes between 8 and 16 hours to complete, based on the complexity and services.

Fee-Based Financial Planning/Investment Management – Tiered AUM Pricing

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  • $0 – $250,000 1.00%*
  • $250,000 – $500,000 0.95%
  • $500,000 – $750,000 0.90%
  • $750,000 – $1m 0.85%
  • $1m – $2m First $1m 0.85% Additional 0.60%
  • $2m + Negotiable

    *$1,000 Minimum Annual Fee

Investment Management

Determine risk tolerance, time horizons, proper asset allocaiton for all investment vehicles. Includes custom-tailored portfolios, investment policy statement and target allocations.

We’re both investment advisor representatives and brokers – we leverage both platforms to give our clients the broadest access to investments. Each client has a unique financial situation, we tailor our recommendations to them.

  • Mutual Funds, ETFs, Stocks, Bonds

  • Real Estate Investments Trusts

  • CDs & Preferred Stocks

  • Managed Accounts

Retirement Planning

Determine financial goals, cash flow analysis, taxation analysis for investments, target age for retirement, when to take pension and/or social security and which options to choose. Required Minimum Distribution Planning and Retirement Income Planning.

We use a financial planning software called RightCapital, we believe their platform gives advisors the tools to provide the easiest ways to make retirement planning potentially more efficient for clients. We take into account tax structure of investments, tax brackets, medicare surcharge planning, social security optimization, required minimum distribution planning, often building custom reports with an action plan of how to potentially improve efficiencies. Saltiel Wealth Management does not offer legal or tax advice. This material is not intended to replace the advice of a qualified tax advisor or attorney. Please consult legal or tax professionals for specific information regarding your individual situation.

  • Cash-Flow Planning

  • Designed while keeping Taxes in Mind

  • Pension Maximization

  • Custon-Tailored Action Plan

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Debt Management

Credit and Debt Management, steps for short and long term improvements. Run comparison analysis to determine the potentially most efficient way to pay off debts.

  • Mortgage Payoff Strategies

  • Liability Management

  • Debt Optimization

  • Good Debt vs Bad Debt

Education Planning

Determine correct allocation and contributions to 529 plan, Coverdell Eduction Savings Account, UGMA and/or UTMA custodial accounts.

  • Compare Options

  • Maximize Tax Credits

  • Asset Allocation Strategy

  • Determine State 529

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Estate Planning

Help idenitfy tax liabilities for estate, estate planning checklist, work with licensed attorney and/or tax advisor for specific recommendations. Saltiel Wealth Management does not offer legal or tax advice. This material is not intended to replace the advice of a qualified tax advisor or attorney. Please consult legal or tax professionals for specific information regarding your individual situation.

  • Beneficiary Checklist

  • Work with Attorney

  • Gift Exclusion Planning

  • Medicare Planning

Protection Planning

Managing risks is a very important part of financial planning. We can answer all your questions regarding how much insurance you should have to what you may be missing. We’ll review auto-insurance coverage, homeowners insurance, umbrella, life insurance, health insurance and annuities.

  • Life Insurance

  • Liability Planning

  • Annuities

  • Health Insurance