COMPREHENSIVE FINANCIAL PLANNING
INCLUDES BOTH ONGOING FINANCIAL PLANNING AND INVESTMENT MANAGEMENT
Ongoing Financial Planning
You’ve got a lot going on and it’s hard to stay focused on your core financial goals. Without a plan, you might miss key opportunities to make the most out of your income.
Working together includes:
-
Meeting to discuss and identify key financial goals
-
Understanding what you need to reach your goals
-
Developing a financial plan to get there
-
Refining the plan and discussing options
-
Finalize plan and identify specific next steps for you to implement to achieve financial goals
A solid plan helps you know exactly how you’ll reach your financial goals.
We typically meet two times per year depending on how often you want to meet. You can contact me by phone, email or schedule a video or in-person visit. Ongoing support will keep your plan current and meeting your needs.
Investment Management
We focus on your goals, diversifying your accounts and minimizing your investment costs.
Working together includes:
-
Clarifying your investment risk tolerance, time horizon
and other key factors -
Creating an investment policy statement that’s like a mission statement for your investment strategy
-
Implementing your investment strategy for you
-
Monitoring, optimizing and reporting your investments for you
Solid financial plans get you the right investment results
If you don’t understand your financial goals, you can’t understand what level of investment returns you need to achieve your goals. You could end up investing too conservatively or take unnecessary risks.
The annual advisory fee is determined by the following schedule for assets under management and is a blended fee. For example, a household with $2 million in assets under management would pay 1.00% on the first $1 million and 0.85% on the second $1 million. Our minimum fee is $4,625 per quarter:
$0 - $1,000,000: 1.00%
$1,000,001 - $2,000,000: 0.85%
$2,000,001 - $3,000,000: 0.75%
$3,000,001 - $5,000,000: 0.60%
$5,000,001 - $10,000,000: 0.50%
$10,000,001 - $20,000,000: 0.40%
$20,000,001 and above: 0.30%
Fee-only Services
We are paid directly by you and never receive commissions or referral fees
Independent
We recommend what’s best for you since we’re not part of a broker-dealer or bank
Fiduciary Promise
We’re legally bound to always work in your best financial interest
Ongoing Financial Planning
You’ve got a lot going on and it’s hard to stay focused on your core financial goals. Without a plan, you might miss key opportunities to make the most out of your income.
Working together includes:
-
Meeting to discuss and identify key financial goals
-
Understanding what you need to reach your goals
-
Developing a financial plan to get there
-
Refining the plan and discussing options
-
Finalize plan and identify specific next steps for you to implement to achieve financial goals
A solid plan helps you know exactly how you’ll reach your financial goals.
We typically meet two times per year depending on how often you want to meet. You can contact me by phone, email or schedule an in-person visit. Ongoing support will keep your plan current and meeting your needs.
Investment Management
We focus on your goals, diversifying your accounts and minimizing your investment costs.
Working together includes:
- Clarifying your investment risk tolerance, time horizon
and other key factors - Creating an investment policy statement that’s like a mission statement for your investment strategy
- Implementing your investment strategy for you
- Monitoring, optimizing and reporting your investments for you
Solid financial plans get you the right investment results
If you don’t understand your financial goals, you can’t understand what level of investment returns you need to achieve your goals. You could end up investing too conservatively or take unnecessary risks.
See the Fee Schedule
The annual investment management fee is determined by the following schedule:
$0 – $1,000,000: 1.00%
$1,000,001 – $2,000,000: 0.85%
$2,000,001 – $3,000,000: 0.75%
$3,000,001 – $5,000,000: 0.60%
$5,000,001 – $10,000,000: 0.50%
$10,000,001 – $20,000,000: 0.40%
$20,000,001 and above: 0.30%
You’ll be happiest with a financial planner who shares your investment philosophy
Vested Financial Planning Believes:
1. Markets work efficiently – We believe that markets are generally efficient and price movements are difficult or impossible to know in the short term which means that no one can consistently time the market over the long term.
2. Asset allocation drives returns – The decision of how to divide your portfolio among stocks, bonds
3. Diversification improves performance and reduces risk – Diversification among different asset classes, geographies and types enable you to minimize risk for a given level of return.
4. Minimizing costs fuels results – Minimizing investment costs and taxes plays a critical role in driving your investment returns.
5. The plan is critical – Your comprehensive financial plan drives the investment strategy. It’s the only way to know that we are working towards your financial goals.
If you don’t understand your financial goals you can’t understand what level of investment returns you need to achieve those goals.
For example, if you can achieve your financial goals with a lower investment return, you could choose to take less risk in your investments and still achieve your goals.
We recommend that you develop a comprehensive financial plan before you choose an investment strategy.
TOM LO, CFP®, MBA
Vested Financial Planning
San Carlos, CA 94070
tom@vestedfinancialplanning.com
Phone: (650) 315-7372
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