Financial Planning.
Investment Management.
Tax Preparation.
Everything you need. All in one place.
Questions about our services? Schedule a quick intro call.
Select your critical money moment to learn more
Money landed in your lap. What do you do now? While people come into money for many reasons, the steps you take after receiving a windfall are critical. We created a client experience to help you plan, manage, and make the most of yours.
Our windfall planning will help you:
You might not recognize it at first, but the amount of cash in your checking account increases. You don’t plan to spend it, so what do you do with it? We created a client experience to help you plan and confidently manage your growing savings.
Our growing savings planning will help you:
You have the opportunity to plan with equity compensation and you’ve got some big decisions to make. We created a client experience to help you plan and manage it.
Our equity compensation planning will help you:
You’re excited to start a new chapter of your life. Whether you’re going through a career change or relocation, we created a client experience for your life transition.
Our life transition planning will help you:
Face your critical money moments with our expertise on your side
An all-inclusive process intentionally built to serve you. Make the most of your opportunities as we bring clarity and simplicity to your finances. A thoughtful and well-designed financial plan helps you understand where you are now and where you are going. Investment management, tax preparation, and ongoing support help you build on your success.
Financial Planning
A plan to accomplish your financial goals. Easy-to-follow tasks to simplify implementation. Regular check-ins to monitor your success. It’s why you’re here, and it’s what we do best.
Investment Management
We help you control what you can. Our investment management philosophy aligns your risk tolerance and goals with an appropriate mix of low-cost investment options that are broadly diversified. We’ll handle the strategic rebalancing, tax efficiencies, and more.
Tax Preparation
Leave the tax prep to the pros. With our streamlined tax-prep process and year-round tax planning included, we bring you the tax clarity you want and deserve.
Ongoing Support
Get to the point with answers from personal finance experts. With unlimited consultation time, reach us via phone, text, chat, email, or meeting anytime. We’re here to support you as you continue your success.
For You
Pricing
Our all-inclusive flat annual fee starts at $4,000 for individuals and $6,000 for couples.
You can use this table to estimate your fee. After your complimentary initial consultation, we will provide you a custom services proposal.
We will prorate your fee and you can pay monthly from cash flow or quarterly from the investment accounts we manage for you. As we continue to work together, we’ll review your pricing every other year.
You can cancel at any time, for any reason, without penalty, and with a refund of any unearned fees.
How Do You Determine My Fee?
We base our pricing on 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.
How Do You Limit Conflicts of Interest?
Our flat-dollar fee-only pricing is designed to significantly limit conflicts of interest. We do not receive commissions for selling you products nor do we charge you a separate percentage of assets fee for managing your investments.
Delivering advice that you find valuable as you achieve your financial goals and grow your wealth is our only incentive. Stocks, bonds, and mutual funds are part of your financial life, but we know there’s more to your success. Many of our clients find our advice instrumental in their ongoing business or real estate interests and more.
Ready to get started? Schedule your free initial consultation.
Still have questions? Schedule a quick intro call or check out our FAQ page.
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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.
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
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.
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
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.
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.
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
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.
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.
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.
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.
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!
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
Critical Money Tips
Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
Critical Money Tips
Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
Critical Money Tips
Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
Critical Money Tips
Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
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.
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
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.
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
Inheriting Money Can Be Overwhelming.
We have the expertise to be your guide as you navigate receiving a windfall.
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.
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 $750,000 |
| $6,000 (minimum for couples) | Up to $1,500,000 |
| $8,000 - $12,000 | $1,500,000 - $3,000,000 |
| + $1,000 | per additional $1,000,000 of INW |