May 1, 2024

Hourly Service

$365 per hour, ½ hour minimum. In person, by phone or virtually.

If you just want a specific question answered, a second opinion, or a more in-depth conversation on a particular topic, this is a good choice for you. Some examples:

• Am I saving enough to retire?
• Should I take the annuity being offered me through my company plan?
• Are my investments tax efficient?
• What should I be thinking about for my old 401(k)s?
• Do my insurance policies / estate planning documents / portfolio allocations fit my needs?
• What are the options for financing for my child’s special needs education?
• Can I afford to buy a home?
• Could a Roth conversion make sense for me?

Projects and Financial Plans

Projects may include a portfolio review, cash flow projection, or another topic you’d like addressed in depth. From $1,500.

Financial Plans typically include Cash Flow Planning, Investment Planning, Tax Planning, Retirement Planning, Estate Planning and Risk Management. $3,500 to $6,500.

Fees are quoted in advance, based on an estimate of time required.¹ Additional hourly charges may apply. Meetings with legal, tax, insurance or other advisors are additional.

Annual Retainer

An on-going relationship can help keep you on plan, adjust to changing circumstances or goals, and give you peace of mind. This typically follows completion of an initial Financial Plan. A retainer relationship includes:

Semi-annual meetings to review your financial plan and look at tax planning opportunities. Topics are adjusted to needs.
Quarterly portfolio review.
Financial coaching and on-call support.

Retainers are invoiced in monthly installments from $150 to $400 and can give you the best value over time. This package gives you access to support when you need it and recognizes that financial planning is, by nature, dynamic. It’s important to update your plan as personal / market / tax circumstances change.

Investment Supervisory Services (ISS)^2,3

We provide professionally managed, globally diversified, low-cost portfolio solutions. Our expert investment professionals will manage a portfolio selected for your unique financial situation and help you maintain discipline to reach your investment goals.

I will be your primary point of contact, with the CGN Advisors team working hard behind the scenes to manage your portfolio. Together we will help you:

• Create an investment plan. First, we’ll create a proper overall stock/bond mix of investments based on your goals. Then we’ll control what we can by investing in a broad range of low-cost investments, while being aware of tax impacts.
• Stick to the investment plan. We’ll help you maintain discipline to stay invested for the long-term, through the ups and downs.
• Adjust the investment plan. We’ll closely monitor your portfolio and review your investment plan with you at least annually. We’ll rebalance your portfolio to maintain your proper overall stock/bond mix of investments.

Fees:

• Assets Under Management (AUM)
  • To $1,000,000 0.75% (75 basis points)
  • $1,000,001 – $2,000,000 0.50%
  • Above $2,000,000 0.25%
• Underlying Fund Expenses 0.05% to 0.21% ⁴

1 Based on an hourly rate of $365. Quarterly payment option. On-going planning is invoiced hourly, with a ½ hour minimum.
2 Charged quarterly, in arrears; total fee is AUM plus Underlying Fund Expenses.
3 Custodial services provided through TD Ameritrade / Charles Schwab and others where appropriate.
4 This represents a general range, but actual underlying fund expenses could be outside of this range depending on the investor-specific holdings and circumstances.