Initial Meeting: Complimentary

A no-obligation conversation to understand your goals, discuss what you're looking for in a financial professional,
and determine if we're the right fit.

Planning Engagement: $2,500

$1,500 due at the start of the engagement, $1,000 due upon completion.

Includes up to 3 working sessions to build, refine, and finalize your strategy. Additional sessions are available at
$250 each as needed.

Implementation credit: The $1,000 completion fee is waived if you choose to implement your plan with me through an ongoing advisory relationship.

 

Referral Rate: $1,000

Available for qualified referrals: family members, colleagues, or close contacts referred by an existing client. $500 due at start, $500 due upon completion.

Implementation credit: The $500 completion fee is waived if you choose to implement your plan with me through an ongoing advisory relationship.

Engagement Overview

Wealth Strategy

  • A comprehensive evaluation and consolidation of your existing financial assets.
  • Integration with AdviceWorks, providing a unified digital view of your entire portfolio.
  • Assessment of investment risk to ensure your current allocation supports your objectives.
  • Taxable asset audit to identify opportunities for reducing dividend and capital gains liabilities.*

Retirement Income Strategy

  • Social Security optimization to determine the most effective claiming strategy for lifetime benefits.
  • Distribution sequence planning to maximize tax efficiency when accessing various accounts.
  • Analysis of pension benefits and payout options where applicable.

Estate Planning Review*

  • Financial Review of primary documents, including Wills, Health Care Proxies, and Powers of Attorney.
  • Reviewing missing components or outdated language that may require professional** updates.

Situational Analysis (as needed)

  • Review of employer-sponsored plans and benefits packages.
  • Gap analysis and review of current life insurance coverage.
  • Projections for long-term care needs.
  • Strategies for funding future education expenses.
  • Consultation on charitable giving and philanthropic goals.

Your Deliverables

Following our sessions, you will receive a personalized written roadmap. This document provides a transparent
and practical guide detailing your current financial standing and the milestones required to achieve your goals.

The finalized strategy integrates every facet of our work, from asset allocation and retirement income to tax
planning* and estate protection*. You can use this plan independently, or we can work together to manage
implementation.

Plan Implementation Options:

Advisory Relationship

Managing significant wealth isn't just about picking investments. It's about making the right decisions at the right
time, and having someone in your corner who's built for exactly that.

As your advisor, I handle the complexity so you don't have to.

Why Work With Me

Personalized Strategy:  I build and actively manage a portfolio tailored to your unique goals, tax situation, and
risk tolerance. Your plan evolves as your life does.

Institutional Access:  I provide access to professional money managers and sophisticated strategies typically
unavailable to self-directed investors, all within a unified account.

Disciplined Execution: Markets are volatile. I provide the objective discipline needed to keep your plan on track,
making proactive adjustments when conditions shift.

Holistic Oversight: I look beyond returns to ensure your strategy accounts for taxes*, estate planning*, and cash
flow. I manage your full financial picture.

Aligned Interests: My fee structure is transparent and tiered based on assets. I succeed when you succeed.

Proactive Partnership:  I am your long-term partner. Expect regular reviews and consistent communication, not
just when the markets move.

Assets under management

Advisory fee

Program fee

Combined

Up to $750,000

0.70%

0.32%

1.02%

$750,000 to $1.5M

0.60%

0.27%

0.87%

$1.5M to $3.5M

0.50%

0.22%

0.72%

$3.5M to $10M

0.45%

0.20%

0.65%

$10M to $25M

0.35%

0.15%

0.50%

Fees are assessed on the value of assets in each tier. The combined rate reflects the advisory fee and program fee only. Manager fees will also apply for
Manager and Unified Programs.

Direct Products

Financial planning often requires tools beyond investment accounts. I utilize life insurance, annuities, and
long-term care protection to address specific risks and complete your strategy.

In addition to my advisory practice, I'm licensed to recommend and place these products directly. Here's what
that means for you.

Full Disclosure: While my advisory fees are asset-based or flat-rate, direct products involve commissions paid by
the carrier. I will always disclose these different incentive structures clearly before making a recommendation.

Integrated Solutions: I only recommend direct products when they fill a specific gap, such as income protection
or estate liquidity, that your portfolio cannot address alone.

Common products I work with:

  • Life insurance: term and permanent coverage for income replacement, business continuity, or estate
    planning
  • Annuities: fixed, indexed, or variable products for guaranteed income or tax-deferred growth
  • Disability insurance: income protection if you're unable to work
  • Long-term care insurance: coverage for extended care costs that can otherwise erode a portfolio

Unified Management: My hybrid practice means you don't need separate agents. I ensure your insurance and
investments work in tandem so nothing falls through the cracks.

Notes:

Annual investment advisory fees are billed quarterly and based on the account value at the end of each quarter. Assets under management fee schedule is
reflective of advisory services offered through My Advice Architect. Householding your accounts will result in a financial benefit to you due to reduced
overall management fees, and you should consider householding where applicable. In addition to the above fees, clients pay a Manager Fee, based on
selected investments. Other programs and solutions are available in addition to the above upon request. Investment advisory services are offered through
Cetera Investment Advisers LLC. Financial Planning & Consulting Services are completed through a separate agreement from the Investment Management
Services agreement. Please refer to the firm's ADV Part 2A and the client's agreement for additional platform, strategist, or any related fees that may apply

*Financial Advisors do not provide tax and legal advice. For tax/legal advice, please consult your tax/legal professional.

**Any updates to estate or legal documents will be performed by a legal professional and not your financial advisor