Financial Planning.
Investment Management.
Tax Preparation.
Everything you need. All in one place.
Questions about our services? Request a quick intro call.
Select your critical money moment to learn more
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 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’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:
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:
Comprehensive Services
An all-inclusive process from your full-time fiduciary. Allow us to help you make the most of your opportunities with a thoughtful and well-designed financial plan. To keep things simple and provide extraordinary value, we include investment management, income tax preparation, and ongoing support from our team of full-time fiduciaries, including your dedicated CFP® pro.
Financial Planning
Get organized and remain on the path to financial success. With a custom plan to accomplish your financial goals, you’ll get easy-to-follow tasks to simplify implementation and regular check-ins with reviews to monitor your progress.
Investment Management
Be confident in your portfolio. With investment management included, you’ll get a low-cost, tax-efficient, and globally diversified investment portfolio that’s aligned with your financial plan. Interested in ESG/SRI investing? We have solutions.
Tax Preparation
Say goodbye to tax complexity. With our in-house income tax preparation and planning included, you can be sure that you’ll get the tax strategy you need along with the tax simplicity you want.
Ongoing Support
Get answers and advice. With unlimited meeting and consultation time included, our team of full-time fiduciaries and your own dedicated CFP® pro are ready to support your continued success.
Highlights
Simple, Fair, & Transparent Pricing
In most cases, we charge a flat fee of $6,000 for our Comprehensive Services. Our fee includes financial planning, income tax return preparation, and discretionary investment management for up to $1,000,000.
We have no minimum investment amount. For clients who request that we manage their investment portfolio in excess of $1,000,000, we charge a reasonable additional fee.
Our fee is our only compensation as we do not earn commissions for financial product recommendations or sales.
We will prorate our fee for you to conveniently pay as we work together, either monthly from cash flow or quarterly from the investment accounts that we manage for you.
Our client service agreement is ongoing but you can cancel at any time, for any reason. If you cancel, there are no penalties or additional charges and you will receive a refund of any unearned fees, measured by the day.
How Do We Determine Your Fee?
In most cases, we will follow our standard fee schedule. In cases where truly unique or extraordinary complexity is involved, we will carefully consider how the specific complexities impact our service model and we will provide a custom services proposal that will transparently disclose our fee prior to beginning a working relationship.
How Do We Limit Conflicts of Interest?
We do not receive commissions for selling products to our clients. We charge a flat fee for our comprehensive financial planning services, including income tax return preparation and investment management for up to $1,000,000.
In cases where clients request that we manage their investment portfolio in excess of $1,000,000, we charge a reasonable additional fee. While a fee based on assets under management may represent a conflict of interest, we do not require a minimum investment of any amount.
Delivering valuable fiduciary advice as our clients achieve their financial goals and grow their wealth is our greatest incentive. Many of our clients find our advice instrumental in their ongoing business or real estate interests and more.
Getting Started
We are currently accepting new clients, and we encourage you to review our client onboarding process and annual service calendar. Our client onboarding process typically takes three to six weeks and the implementation, monitoring, and review of your financial plan continues throughout the year.
If you think our comprehensive services are the right fit for you, simply use the calendar below to schedule an initial consultation. After your initial consultation, you will receive your first financial plan report. Both your initial consultation and your first financial plan report are free of charge and provided without obligation.
Still have questions? Request a quick intro call or check out our FAQ page.
Want to stay in touch? Sign up for our email.
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
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.
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.
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% |