Helping You Achieve Financial Harmony

WHAT IS FINANCIAL LIFE PLANNING^®?

Financial Life Planning is a holistic process that puts your interests first and focuses on increasing your sense of financial well-being and life satisfaction. 

Initially, this process will help you to clarify your values, priorities, circumstances, and aspirations; and then guide you in defining and designing your unique version of the “rich life.”  In addition, Financial Life Planning will increase your understanding of the habits and attitudes that will facilitate your financial and life goals and support successful life transitions.      

WHY CHOOSE ME TO BE YOUR FINANCIAL LIFE PLANNER?

Because of the unpredictability of life and the complexity of financial markets, it is important to work with a Financial Planner who will help you to achieve your financial and life goals.  And, it is essential to select a Planner who will take the time to truly get to know you and to understand your concerns and your dreams.

As your Financial Life Planner, I have joined the ranks of a small but increasing cadre of life-centered financial planning professionals who are leaders in the trend of integrating financial planning and life planning.  We are dedicated to understanding each client’s unique set of values, priorities, challenges, and opportunities in order to make the most appropriate financial recommendations. 

 Therefore, in addition to traditional discussions of assets and net worth, we are asking our clients, “What will bring meaning and purpose to your financial life?”

If you are among those individuals disillusioned with the results of “using your life to make money,” you will find the opposite mind set of “using your money to make a life” to be both liberating and compelling. 

©2010 Money Quotient, Inc.

Financial Life Planning® is a registered trademark of Money Quotient, Inc 

SERVING CLIENTS  WHO VALUE AN ON-GOING RELATIONSHIP

The core of my practice are professional families, have college bound children, and are within 15 to 20  years to their target retirement date.  They desire  an on-going, long term financial planning relationship.  They also value and need objective, fee-only advice.  My clients want a relationship with a trusted advisor who will guide and assist them in reaching their goals in an organized, comprehensive and holistic manner.

My Firm might be right for you if:

• You value a financial plan that includes retirement planning, investments,  insurance, estate planning, and taxes.  
• You value having your investments professionally managed because you do not have the time or interest to manage it yourself.
• You are a working Professional with children.
• You own a home or are in a position to buy one in the near future.
• You have at least $150,000 of investment assets  if you are single or $300,000 if you are a family (not including your home or employer retirement accounts).  While my Firm does not have any hard asset minimums, my services and fees are more appropriate for those who are at or above this asset level.

Attune Financial Planning is proud to be affiliated with the following organizations:

TD Ameritrade

TD Ameritrade Institutional provides comprehensive brokerage and custody services to more than 4,000 independent registered investment advisors (RIAs).  

MONEY QUOTIENT 

The mission of Money Quotient is to facilitate the exploration and implementation of a values-based, life-centered approach to financial planning.

We believe this holistic process engages individuals and empowers them to maximize their resources and live meaningful and purposeful lives.

To this end, we conduct innovative research; provide the highest quality tools and training, and nurture a community of like-minded professionals who truly want to affect positive change in the lives of those they serve. 

DIMENSIONAL FUND ADVISORS 

Dimensional Fund Advisors (DFA) was founded on the work of Professor Eugene Fama (University of Chicago). Fama won the 2013 Nobel Prize in Economics for his pioneering work in investment management. DFA is a global investment firm that has been serving investors for more than 30 years. They offer investment solutions across asset classes, including global equities, fixed income, and REIT’s.  DFA’s goal is to add value over benchmarks (Index) and peers (Active Managers) through an integrated and robust process. Using information in market prices throughout the process, DFA, carefully structures and implements portfolios to target higher expected returns. Their integrated, flexible approach considers the interactions among premiums, market frictions, costs, and diversification.

DFA Funds are only available through Fee-Only registered investment advisors and only after they meet DFA’s strict selection criteria.

NAPFA

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve. Since 1983, Americans across the country have looked to NAPFA for access to financial professionals who meet the highest membership standards for professional competency, client-focused financial planning, and Fee-Only compensation.

THE FINANCIAL PLANNING ASSOCIATION 

The Financial Planning Association® (FPA®) is the principal professional organization for CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals, educators, financial services providers and students who seek advancement in a growing, dynamic profession.

FPA supports high standards of professional competence, ethical conduct and clear, complete disclosure when serving clients. FPA’s One Connection™ for professional development, business success, advocacy and community at the national and chapter levels is truly indispensable in the advancement of today’s CFP® professionals.   

On-Going Assistance

Upon the completion of your Initial Financial Plan, we will work together to ensure there continues to be a harmonious relationship between your goals and investments.  I will act as your guide, monitor your progress, and help you to maintain focus on your personal and financial goals.  Because unanticipated events occur and priorities shift over time, we will meet regularly to review your Financial Life Plan to make sure it remains relevant to your life journey.

During the first 12 months we will meet  as often as necessary by phone, email or in person to ensure your Initial Financial Plan have been implemented successfully.

 In the on-going years we can expect to have 2 to 4 in-person or virtual meetings together annually to discuss your Plan and make changes or adjustments as necessary.  I will continuously monitor your progress and react to any changes to your personal circumstances that warrant a change in strategy.

There are two major components:

1.  Comprehensive Financial Planning - you can expect to receive:

• Continuing Advice, as delivered by your Initial Financial Plan
• Full implementation of your Initial Financial Plan's action items
• Regular progress meetings to review your situation, adjust your Plan and to provide mutual  accountability
• Planning and coordination in all areas that affect your life (See  Planning Services Tab)
• Professional guidance with your outside investments (401K, 403B, Pensions, stock options, etc.) so that they are coordinated with your overall investment strategy and  long term goals
• Access to your exclusive financial planning tools (See Client Only Tab)
• Coordination with other Professionals like your Accountant, Attorney, Realtor, etc.

2.  Investment Management Support - you can expect to receive:

• Assistance in creating, implementing, and adjusting your investment strategy that is in alignment with your Initial Financial Plan and long term objectives.
• Assistance with account transfers and consolidations
• Advisory Fees debited directly from your accounts at TD Ameritrade
• Implementation with the use of low cost Vanguard and Dimensional Funds
• Regular investment reporting including Monthly custodial statements, quarterly performance Reports,  and Quarterly Net Worth Reports

The entire process is designed to reflect my belief that effective financial planning is a continuing process of engagement, not a one-time event.

READY TO LEARN MORE?

SCHEDULE A FREE 30-MINUTE PHONE CALL

Flexible Fee Structure

The annual fee for comprehensive financial planning services is based on a percentage of Assets Under Management (AUM) and / or an annual fixed planning fee.   Structuring the fee schedule in this manner allows me to work with households at various income and investment asset levels.  

The fees for your specific situation will be discussed further in our introductory meeting.  

Percentage of assets under management

The growth and protection of your investment assets are the key to the success of your financial plan.  It is vital that they are managed carefully and with your best interest in mind.  It is for this reason that your fees are based primarily on your investments.  

The AUM Fee starts at 1% for the first $500,00 with a minimum annual fee of $1,500.

Fixed Annual Financial Planning Fee

A fixed annual planning fee can work especially well for mid career level families as they tend to have complex financial planning needs, want financial planning assistance, and have the income to pay for financial planning services.  However, they might not have a large amount of investment savings established as a majority of their net worth is tied up in their homes or company retirement plans. 

The annual fee is based on your income and complexity of your financial situation with a minimum annual fee of $2,500.

READY TO LEARN MORE?

SCHEDULE A FREE 30-MINUTE PHONE CALL