Questions, answered

Not for Financial Planning. Your accounts stay at your current bank, brokerage, or employer plan, and you don't transfer anything. If you later choose Ongoing Planning, the accounts we manage are held at Fidelity, so accounts held elsewhere move there, and we help with the transfer. Accounts we advise on but don't manage, like a current employer's 401(k), stay where they are.

Financial Planning is $4,000 per household, paid in three installments by ACH: $2,000 to start, then $1,000 at 30 days and $1,000 at 60 days. If you change your mind within five business days of signing, you get a full refund. Nothing is added later. Tax preparation, if you want it, is a separate service.

No. The flat planning fee is a one-time charge for the Financial Planning service. Ongoing Planning has its own annual fee, based on the assets we manage.

No. Single or married, $300,000 or $5 million, simple or complicated, the fee is the same. It covers the planning engagement, with no hourly billing and nothing added for complexity.

Yes. You pay $2,000 when you sign up, then $1,000 at 30 days and $1,000 at 60 days, by ACH from your bank account. You authorize all three payments when you sign. If you change your mind within five business days of signing, you get a full refund.

No. There's no asset minimum for the planning service.

No. The plan is complete on its own. Some clients ask us to stay involved through Ongoing Planning. Many don't, and we'll tell you if the plan is all you need.

Yes. Your plan reviews what you have today, including accounts your current adviser manages, and you decide what to do with the recommendations.

Your plan, action items, and summary are yours to keep, with nothing more to pay. Some clients carry out the plan on their own. Others ask us about Ongoing Planning.

Financial Planning is a one-time engagement, and your plan is built so you can carry it out yourself. If you want us to keep your plan current and help put it into action year after year, that's Ongoing Planning.

No. The planning fee pays for the plan itself, so it isn't applied toward the annual fee.

Yes. Ask, and we'll send you a copy of the agreement for the service you're considering before your discovery meeting.

You tell Kevin what's on your mind and any deadlines you're facing, and he explains how the planning service works and what it costs. Together, you decide whether a discovery meeting makes sense. It's 30 minutes, by phone or video, and it's a conversation, not a review of your finances. There's no fee or obligation, and the discovery meeting is a separate step.

No documents or account information needed. After you sign up, Kelly sends a document list built for your situation.

Yes. We'll tell you what applies to your situation, what doesn't, and why.

90 days, starting when you sign up. Your plan presentation is about two weeks after you sign up, as long as your documents are in on time.

Four planning meetings after your discovery meeting: a plan presentation, then three working meetings that go through each part of your plan in detail.

No, you carry out the recommendations yourself, with clear instructions for each step. Ongoing Planning helps you put them into action.

Tell Kevin so he can explain his reasoning and alternatives, or reconsider if your goals or information change. Every decision is yours.

That's common, and it's fine. Your Where Things Stand summary lists what's done, what's still open, and the next step for each, so you can finish the rest on your own.

Your action items stand on their own. For further help, Ongoing Planning helps put your plan into action and keeps it current.

Tell Kevin about your deadline on the Initial Call. Documents are normally due within seven days of signing. If you send them within five business days, Kevin will address that decision first. He can't guarantee completion before a deadline someone else sets.

No. Your plan is complete on its own, and many decisions in it, like when to claim Social Security or how to update your beneficiaries, don't involve investment management at all.

Your plan answers "What should I do?" Ongoing Planning answers "Who will help me carry it out and keep it current?" It's the year-after-year work: updating your plan, planning your taxes before year-end, helping with your retirement income, reviewing your insurance, estate, and benefits, and managing your investments. If you'd rather handle that yourself, the plan may be all you need.

It's a percentage of the assets we manage: 1.00% on the first $3 million, 0.60% from $3 million to $6 million, and 0.50% above $6 million. Each rate applies only to the dollars within its tier, and there's no minimum fee. Fund expenses and transaction costs are separate.

Your plan includes tax recommendations written clearly enough to share with your CPA. Ongoing Planning clients get direct coordination with their other professionals, including their CPA.