How We Serve You 

The first step towards a successful advisory relationship is for us to understand what is important to you, what you expect from our relationship, and what will make you happy. We help you understand where you are now relative to where you want to be and how to utilize your talents and assets to best achieve your goals.

Because each client has different needs, Financial Focus provides three levels of service:

• Comprehensive Financial Planning: The integration of financial planning and customized asset management services.
  
• Financial Planning Snapshot: An analysis of your current financial situation with recommendations designed to improve the chances of reaching your financial goals.
  
• Concierge Services and Special Projects: Custom projects including bill-paying services, estate or trust settlement services, family meetings, portfolio checkup, and more.

Comprehensive Financial Planning

Under this arrangement, we will:

• Provide an analysis of cash flow, taxes, asset allocation, investments, retirement scenarios, insurance, education funding, estate plans, goal setting, special needs issues, or other planning, as specifically requested
  
• Recommend a course of action designed to improve your chances of meeting your goals
  
• Communicate the pros and cons of each recommendation
  
• Implement recommendations that you accept
  
• Recommend and monitor a customized portfolio
  
• Provide unlimited telephone support, and meetings as required
  
• Provide ongoing financial planning and regular communications, including an annual tax planning review
  
• Update your financial plan whenever events that could threaten your plan arise, whether those events are regulatory events or personal crises

The fee for this service is an individually negotiated retainer for the first year. Ongoing retainers are based on assets under advisement and the complexity of each case, and are negotiated annually. Fees for this service range from $6,000 to $40,000.

Financial Planning Snapshot

This arrangement includes financial planning services that you request, which may include the following:

• Analysis of cash flow, taxes, investment asset allocation, retirement (projections and options), insurance, education funding, estate plans, goal and objective setting, and special needs planning
  
• Sufficient meetings and telephone support to adequately explore the issues and explain our findings and recommendations
  
• Specific recommendations for each requested area. You are then responsible for implementing the recommendations that you accept

The fee for this service is a flat fee, which differs depending on level of assets but is generally not recommended for those with over $6 million in assets. Annual reviews and updates are available for 50% of the first-year fee. Implementation services and asset management may be added for an additional fee of 0.75% of assets under advisement. Fees for this service range from $1,500 to $6,000.

Concierge Services And Special Projects

This arrangement provides customized services tailored to your special needs. A separate engagement letter details the services to be performed and estimates the cost of providing them to you. Estimates are based on hourly fees and our best guess of what will be involved to complete a project. Total project costs are not guaranteed.