Portfolio Management

  • Advisor managed portfolios tailored to your goals and risk comfort level.
  • Fee based (rather than commissions). Portfolios are managed on a percentage of assets under management fee scale and detailed in all proposals.
  • Constructed with Individual securities, mutual funds and exchange traded funds.
  • Complete our Risk Assessment Questionnaire

AspireQuest Portfolios (SRI Investing)

  • Sustainable, responsible and impact investing.
  • Align your portfolio with your personal values.
  • Utilizes our same advisor managed risk based portfolio approach.
  • Learn more about AspireQuest Portfolios

Retirement Planning

  • Retirement feasibility analysis most appropriate for those within 10 years of expected retirement.
  • Pension option analysis.
  • Tax efficient asset "decumulation" for retirement income.
  • Social security income planning
  • Online collaborative planning program keeps your plan continually updated.

Tax Planning

  • Managing your tax liability is an integral part of your planning and is incorporated into our process and planning software.  We will work with you (and your accountant if applicable) to make sure both accumulation and income generation are done in as tax efficient a manner as possible.
  • For those looking for tax preparation assistance, that service is available from other Aspire advisors.

Legacy Planning

  • Combines traditional estate planning with a plan to convey your family's values and history to the next generation.
  • We will work with your attorney to ensure the legal and financial elements of your plan are coordinated.
  • We can also help you develop your "legacy plan".

General Financial Planning

  • College Planning.
  • General goal planning.
  • Online collaborative planning program keeps your plan continually updated.

Financial Education

Presentations available on a range of topics:

  • Social Security and Medicare Planning​
  • IRA Planning
  • Legacy Planning
  • Cybersecurity
  • College Planning
  • SRI Investing

Contact me to schedule a presentation for your group or organization​.

Business Retirement Plans

  • 401(k) Plans
  • SEPS and SIMPLEs
  • Enrollment support and ongoing education and support for participants
  • Investment option monitoring using Fi360
  • We will coordinate the efforts of your 401(k) provider and any third party administrator to ensure that your plan runs smoothly.
     

Fee Discussion (how I derive my revenue)

Since I am a registered representative and investment advisor representative of Cadaret, Grant & Co., Inc., a hybrid broker dealer that is registered with the U.S. Securities and Exchange Commission as a registered investment adviser and also operates as a broker-dealer where registered representatives earn commissions, I must describe my practice as a "fee based" practice rather than a "fee only" practice.  Currently, my practice focuses primarily on investment advisory services where I am compensated by advisory fees rather than by commissions.  For a complete discussion and disclosure of the various services offered through Cadaret, Grant & Co., Inc. and the fees associated with those services, please see our Client Relationship Summary (Form CRS).

Here is a summary of how my fees are current structured:

  1. Investment portfolios are managed on a percentage of assets under management fee scale and detailed in all proposals.
  2. Ongoing financial planning services are included for fee based investment management clients at no additional charge.
  3. Financial planning for non-fee based investment clients is performed on a flat fee or hourly basis and detailed in an agreement.
  4. Fees for 401(k) plans are based on assets under management in the plan and are detailed in ERISA 408(b)(2) disclosures.
  5. For existing clients that continue to hold mutual fund investments outside of one of our advisory programs or have "buy and hold" brokerage accounts where they may occasionally place securities orders, I may receive commissions for this work.
  6. For life and long term care insurance work, I am compensated through commissions.