Career

Back to Basics: Employee Benefits

Posted October 27, 2021 in Back to Basics, Career, Insurance by Jason Speciner

From health to retirement as well as disability and life insurance, employee benefit offerings can be robust. How can you choose the best options for you? Let’s go back to basics on employee benefits....

Cheat Sheet and Guide: 10 Steps to a Successful Retirement Account Rollover

Posted July 14, 2021 in Career, Investing, Retirement by Jason Speciner

Whatever your reason for a rollover, it doesn't have to be difficult to move your retirement plan. Grab our cheat sheet for step-by-step rollover instructions to guide you along the way....

I Just Received a Promotion … Now What?

Posted January 27, 2021 in Career, Sudden Money by Jason Speciner

Whether hard-earned or unexpected, promotions can bring with them many changes. From an increased salary and better benefits to a loftier title and additional responsibilities, are you ready to navigate moving up in the working world? If you’re wondering what you should do next, here...

Modern Financial Planning: Thriving in a Remote Work Environment

Posted May 20, 2020 in Career, Financial Planning by Jason Speciner

How can you get the best out of yourself as a remote worker? Take a look at the upsides of remote work, check out tricks you can use to improve your productivity, and learn how you could use remote work to your cash-flow advantage!...

Back to Basics: Changing Employers? What You Can Do With Your Retirement Plan

Posted August 14, 2019 in Back to Basics, Career, Retirement by Jason Speciner

When you change jobs, you often have some important decisions to make. But what can you do with your former employer’s retirement plan? Learn why it’s important to understand your options — and how each could affect your retirement savings....

Relocating? How to Move Your Financial Plan with You

Posted November 14, 2018 in Career, Financial Planning by Jason Speciner

Are you in the process of moving? Have you recently relocated? Moving — even just across town — is a big decision that takes time, energy, and money to do correctly. But if you’re relocating to a new state or across the country, you may...

MINIMUM ACCOUNT SIZE

The minimum initial investment for the Invest:FOCO platform is only $5,000 per account. This minimum can be met via transfer of an existing account or with new funds.

ANNUAL FEE

1.00% of assets under management ($100 per $10,000 managed). Debited from your account(s).

FINANCIAL PLANNING

Strategy:FOCO financial planning services are ongoing, and include unlimited phone, email, web and in-person meeting and consultation time. Pricing is based on the unique circumstances of each client situation. Generally, there is a one-time plan development fee ranging from $500 - $2,000 and a monthly fee of $150 - $500; cancel anytime. Clients utilizing investment management services with portfolios of $500,000 or more will typically receive financial planning services for no additional fee.

INVESTMENT MANAGEMENT

Assets Under Management (AUM)	Annual fee as a % of AUM or flat-dollar
$0 - $249,999	(See Invest:FOCO)
$250,000 - $499,999	0.90%
$500,000 - $999,999	0.80%
$1,000,000 - $1,999,999	0.65%
$2,000,000 - $2,999,999	0.50%
$3,000,000 - $3,999,999	$15,000
$4,000,000 - $4,999,999	$20,000
$5,000,000 or more	$25,000 + $2,000 per additional $1mm

MINIMUM ACCOUNT SIZE

There is a minimum initial investment of $100,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. A client household may generally include accounts for a head of household, a significant other, dependents, and any controlled organizations or entities.

Minimums do not apply to inStream proactive financial planning as a stand-alone service.

ANNUAL FEE

Assets Under Management	Fee as a % of AUM
$100,000 - $249,999	1.00%
$250,000 - $499,999	0.90%
$500,000 - $999,999	0.80%
$1,000,000 - $1,999,999	0.65%
$2,000,000 or more	0.50%

inStream proactive financial planning as a stand-alone service: $1,000/year or $100/month

MINIMUM ACCOUNT SIZE

ANNUAL FEE

Assets Under Management	Fee as a % of AUM
$100,000 - $249,999	1.00%
$250,000 - $499,999	0.90%
$500,000 - $999,999	0.80%
$1,000,000 - $1,999,999	0.65%
$2,000,000 or more	0.50%

inStream proactive financial planning as a stand-alone service: $1,000/year or $100/month

MINIMUM ACCOUNT SIZE

The minimum initial investment for the Invest:FOCO platform is only $5,000 per account. This minimum can be met via transfer of an existing account or with new funds. Invest:FOCO is currently available for Individual, Joint, Traditional IRA, and Roth IRA registrations.

ANNUAL FEE

0.65% of assets under management ($65 per $10,000 managed)

MINIMUM ACCOUNT SIZE

The minimum initial investment for the Invest:FOCO platform is only $5,000 per account. This minimum can be met via transfer of an existing account or with new funds.

ANNUAL FEE

0.65% of assets under management ($65 per $10,000 managed)

TAX PREPARATION

Invest:FOCO clients are eligible for a 10% discount on income tax preparation services offered through Fort Collins Tax Service, LLC. This discount applies to the base cost for return preparation as well as Schedules B & D. More details can be found here.

MINIMUM RELATIONSHIP SIZE

There are no minimums when utilizing inStream proactive financial planning as a stand-alone service.

When investment management services are desired, there is a minimum initial investment of $125,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. A client household may generally include accounts for a head of household, a significant other, dependents, and any controlled organizations or entities. inStream proactive financial planning is then included at no additional cost.

ANNUAL FEE

inStream proactive financial planning as a stand-alone service: $1,250/year or $125/month

Assets Under Management	Fee as a % of AUM
$125,000 - $249,999	1.00%
$250,000 - $499,999	0.90%
$500,000 - $999,999	0.80%
$1,000,000 - $1,999,999	0.65%
$2,000,000 or more	0.50%

TAX PREPARATION

Strategy:FOCO clients are eligible for a 50% or 100% discount on income tax preparation services offered through Fort Collins Tax Service, LLC. This discount applies to the base cost for return preparation as well as Schedules B & D. More details can be found here.

Monthly Economic Update

Stay in the loop with our Monthly Economic Update. It's a great way to catch up on the things effecting your financial plan in an easy to read and relatable format.

We promise to only use your name and email address for sending our Monthly Economic Update. We will not sell, rent, lease, loan, or use your name or email address for any other purpose, internally or externally. You can easily unsubscribe at any time.

Monthly Economic Update

MINIMUM ACCOUNT SIZE

Minimums do not apply to always-on, real-time financial planning as a stand-alone service.

For investment management services there is a minimum initial investment of $125,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. Investment management fees are generally debited from the accounts to which they apply. Financial planning services are included for Strategy:FOCO investment management clients at no additional charge.

ANNUAL FEE

Always-on, real-time financial planning as a stand-alone service: $125/month or $1,250/year

Assets Under Management	Fee as a % of AUM
$125,000 - $249,999	1.00%
$250,000 - $499,999	0.90%
$500,000 - $999,999	0.80%
$1,000,000 - $1,999,999	0.65%
$2,000,000 or more	0.50%

Five Savings Secrets

Are you 30 - 60? Let us give you a few tips with our free white-paper: Five Savings Secrets. Then stay in the loop with periodic emails featuring relevant information on financial planning, investment management, and income taxes.

We promise to never sell, rent, lease, loan, or use your email address for any other purpose, internally or externally. You can easily unsubscribe at any time.

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FINANCIAL PLANNING

Financial planning services are ongoing, and include unlimited phone, email, web and in-person meeting and consultation time. Pricing is based on the unique circumstances of each client situation. Generally, there is a one-time plan development fee ranging from $500 - $2,000 and a monthly fee of $150 - $500; cancel anytime. Clients utilizing investment management services with portfolios of $500,000 or more will typically receive financial planning services for no additional fee.

INVESTMENT MANAGEMENT

Assets Under Management (AUM)	Annual fee as % of AUM or flat-dollar
$0 - $249,999	1.00%
$250,000 - $499,999	0.90%
$500,000 - $999,999	0.80%
$1,000,000 - $1,999,999	0.65%
$2,000,000 - $2,999,999	0.50%
$3,000,000 - $3,999,999	$15,000
$4,000,000 - $4,999,999	$20,000
$5,000,000 or more	$25,000 + $2,000 per additional $1mm

ESTIMATE YOUR FEE

Your fee is determined by the complexity of your needs and situation. The primary proxy we use for complexity is your investable net worth, which is generally your total net worth, excluding your primary residence. Your investable net worth includes the value of cash, bonds, stocks, mutual funds, rental real estate, and other business or financial interests. This aligns with the holistic nature of our comprehensive services. You can use the chart below to estimate your fee based on your investable net worth. In some circumstances, your fee may be more than the minimums in the chart below.

Annual Fee	Investable Net Worth (INW)
$4,000 (minimum for an individual)	Up to $500,000
$6,000 (minimum for couples)	Up to $1,000,000
$8,000	Up to $1,500,000
$10,000	Up to $2,000,000
$11,000	Up to $2,500,000
$12,000	Up to $3,000,000
+ $1,000	per additional $1,000,000 of INW

Critical Money Tips

Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!

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Critical Money Tips

Do you have a cash surplus? Learn more what to do with extra money in the free-preview of our Teachable course: Sudden Money and Windfalls.

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Critical Money Tips

Are you here because of a big change in your finances? Subscribe for our PDF on 6 questions to learn the benefits of working with a full-time fiduciary.

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Inheriting Money Can Be Overwhelming.

We have the expertise to be your guide as you navigate receiving a windfall.

Learn more.

Equity Compensation Can Be Confusing.

Let us make it less complicated for you. Whether it’s a one-time award or ongoing compensation, we know how to help.

Learn more.

Critical Money Tips

ESTIMATE YOUR FEE

Your fee is determined by the complexity of your needs and situation. The primary proxy we use for complexity is your net worth, which is the value of what you own — including cash, bonds, stocks, mutual funds, real estate, and other business or financial interests — minus what you owe. Our transparent, flat-dollar pricing aligns with the holistic nature and value of our comprehensive services. You can use the chart below to estimate your fee based on your net worth. In some circumstances, your fee may be more than the minimums in the chart below.

Annualized Flat Fee	Net Worth (NW)
$6,000 (our minimum fee)	Up to $1,000,000
$8,000	Up to $1,500,000
$10,000	Up to $2,000,000
$12,000	Up to $3,000,000
+ $1,000	per additional $1,000,000 of NW

FEE SCHEDULE

Unless there is truly unique or extraordinary complexity associated with a client’s situation and financial circumstances, our fee will be based on the market value of the assets under management (AUM) for investment management services, subject to a minimum fee. The fee is blended and calculated using the following schedule. We do not require a minimum investment of any amount.

Assets Under Management	Annual Fee
$0 - $1,000,000	$6,000
$1,000,000 - $3,000,000	0.50%
$3,000,000 - $5,000,000	0.25%
$5,000,000 and above	0.10%