How We Help

We are proud to offer a wide range of comprehensive financial planning services to cover all your needs for today, tomorrow, and the many years ahead. Our planning services are offered through a unique and flexible subscription based service grounded in fiduciary standards. Our services are designed to ensure that financial guidance is available to all and demonstrate our belief that comprehensive financial planning is on-going. We are here to hold your hand every step of the way (see our company logo).

HOW IT WORKS

Our services are broken down into eight core areas, as outlined below. Within these, we then offer two pricing options. The first is our Basic Level, offering an all encompassing package to get your planning needs in order, and keep them there. For those who are in need of more advanced planning strategies and techniques, we also offer a Comprehensive Level service, which incorporates several additional elements within each core group.

 

planning philosophy

FINANCIAL PLANNING PRICING

Each service level begins with an initial on-boarding fee, after which the monthly subscription commences. Should the monthly payment option not suit you, we also have the ability to accommodate quarterly or annual payments.Our Basic Level has an on-boarding fee of $750, followed by a monthly subscription fee of $250, and can also incorporate our investment services for an additional fee.

Our Comprehensive Level has an on-boarding fee of $1050, followed by a monthly subscription fee of $350, and can also incorporate our investment services for an additional fee.

Additionally, we offer a one-time comprehensive financial plan or hourly financial planning services. Depending on scope and complexity, the one-time plans are approximately $5,000 and our rate for hourly financial planning services is $350.00 per hour. Since both of these options contain numerous variables and objectives, we will discuss everyone’s expectations and agree on total payment prior to beginning the engagement.

investment philosophy

INVESTMENT MANAGEMENT PRICING

We offer two investment management services. Both offerings include creating a personalized allocation tailored to your holistic risk tolerance towards the market. This begins by determining your Risk Number®, and analyzing how your investment behavior reacts to certain market conditions.In addition, our services include analysis and recommendations regarding psychological risk tolerance and money-related attitudes. They are designed to understand, educate and ultimately help you build wealth.

Exchange Traded Funds (ETF) / Mutual Fund portfolios are charged at 0.50% annually.

Individual Stock/Bond portfolios are charged at 0.75% annually.

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CORE SERVICE GROUPS

Please scroll through the eight core groups listed below, and click the button beside each group title to toggle between the services included in our Basic Level and Comprehensive Level.

Fundamental Financial Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level
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COMPREHENSIVE LEVEL
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BASIC LEVEL
Review Credit Scores & Credit Report / Credit Score Optimization
Personal Balance Sheet Calculation & Net Worth Statement
Basic Strategies On Managing & Paying Off Debt
Emergency Fund Calculations & Recommended Balance Optimization
Employment Benefits Review (i.e., HSA, Medical Plan Selections and etc.)
Create Comprehensive Cash Flow Based Financial Plan
Analyze & Create College Funding / College Savings Strategies
Occupation / Career Change Evaluation (Compensation & Benefits)
Student Loan Review; Repayment Strategies
Home Loan Review; Auto Loan And/Or Lease Review; Provide Recommendations

Investment Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level
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COMPREHENSIVE LEVEL
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BASIC LEVEL
Analyze & determine goals, risk tolerance, and time horizons
Review & analyze all holdings to determine alignment with current goals
Create “Living Asset Allocation” based on your cash flow needs
Reviewing current employment retirement plan investment options
Provide an asset allocation based on your financial plan
Review investment selection & allocation within Variable Annuities
Review investment selection & allocation within Variable Life Insurance
Investment Portfolio monitoring & periodic rebalancing
Implementing an individual bond strategy for fixed income investments
Implementing an individual stock strategy for equity investments

Retirement Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level
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COMPREHENSIVE LEVEL
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BASIC LEVEL
Analyze & determine Pre-tax Contributions vs. After-tax Contributions
Creation & Implementation of Retirement Projections
Determine a Retirement Withdrawal Plan
Coordinate with Employer benefits plan Director/Administrator
Review Pension Selections and optimize withdrawal strategies
Social Security Analysis & Planning
Analyze & create Executive Compensation Award Strategies
Analyze & create Deferred Compensation Strategies
Analyze & determine Small Business Retirement Plan Selection
Analyze & determine Roth IRA Conversion Strategies

Tax Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level
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COMPREHENSIVE LEVEL
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BASIC LEVEL
Review two previous years of personal tax returns (Federal & State)
Analysis & Implementation of Tax Loss Harvesting Strategies
Coordinate with current C.P.A / Tax Professional

Insurance & Risk Management Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level
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COMPREHENSIVE LEVEL
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BASIC LEVEL
Review of all existing policies to ensure adequate coverage & risk reduction
If coverage is non-existent, determine adequate coverage
Education & advisement for life, disability, and long term care insurance
Overview of existing property & casualty coverages
Overview of existing Umbrella policies; provide recommendations
Long-term care cash flow needs analysis

Estate Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level
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COMPREHENSIVE LEVEL
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BASIC LEVEL
Overview of existing Last Will & Testament; ensure current & valid
Review beneficiaries on Retirement accounts & Life Insurance policies
Overview of other existing Estate Planning documents
Overview of Asset Titling (i.e. accounts & property)
Overview of additional Estate Planning documents (i.e.,Trust)
Creation & Review of Estate Planning Flow Chart
Estate Settlement Assistance; asset movement to heirs at bereavement
Estate Inheritance Assistance; assisting in wealth transfer
Coordinate with current estate planning attorney

Philanthropic/Charitable Planning

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level
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COMPREHENSIVE LEVEL
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BASIC LEVEL
Overview of current tax year gifting options & recommendations
Charitable Strategies using Required Minimum Distributions
Charitable estate planning
Assistance with selecting/interviewing charities & their board
Assistance with Donor Advised Funds, Foundations, & Supporting Organizations
Creating and implementing advance charitable gift planning strategies

Technology Access

Currently Showing: Basic LevelCurrently Showing: Comprehensive Level
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COMPREHENSIVE LEVEL
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BASIC LEVEL
Access to dynamic, secure and custom account aggregation tools
Individual, secure & ample cloud storage for all important documents
Accessible via a secure internet connection – Anytime. Anywhere
Online Scheduling and Virtual Meeting availability & flexibility
Recommendations provided for additional tools to help specific client needs
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You can also download an easy reference PDF of our full service and pricing options below. And if you have any questions, don’t hesitate to get in touch.

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Felton & Peel Wealth Management is an investment advisor registered pursuant to the laws of the states of Georgia and New York

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