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Wealth Management & Fee Based Planning

You’re building wealth and planning for the future!  Use our expertise and technology to compliment your personal planning.

Free Consultation 

Everyone receives a free 1 to 1.5 hour consultation with a Certified Financial Planner for an analysis prior to establishing a plan for ongoing support.   During the free analysis we will help you with your immediate financial planning questions and provide a summary of our recommendations.  When appropriate, we will also provide financial planning reports.  If you are a Federal Employee please see “Your Federal Employee Retirement Benefits Package” below to learn about your free analysis.    

Partnering with Innovate Financial

After you complete the initial free consultation you may desire ongoing support, money management and advice.  We establish relationships with our clients for long term planning. For our managed money platform, we use Orion Portfolio Solutions and the assets are held at TD Ameritrade. Our minimum new account size is $400,000. Our fee is 1% Annually of the assets we hold at Orion. The fees are deducted from the Orion platform on a monthly basis. There are no trading fees, and there are no upfront sales charges or backend penalties if you close the account. We discount our 1% Annual Fee for accounts/households who invest over
$750,000 with us. At our discretion, if a client does not meet the $400,000 minimum account size (or has not yet retired) we can offer ongoing planning, reports and advice for $250/hour.

Your Comprehensive Analysis, Financial Reports Tailored to You and Our Recommendations to Help You Reach Your Goals:  

As Fiduciaries and Certified Financial Planners™ we will analyze your total financial picture by discussing your plans, financial goals, workplace benefits, investments, debts and other financial considerations.   Our clients receive ongoing support by meeting at least annually and having us available to them more as necessary.
We use the following software for our client meetings: eMoney Advisor, FERS/CSRS Benefit Calculator and Retirement Analyzer, Redtail, Social Security Timing, Orion Portfolio Solutions, and additional financial planning technology. We use these tools to analyze your current situation, and forecast multiple retirement scenarios. eMoney is our most comprehensive financial planning software and we believe it to be the best in the financial planning industry. Our clients and advisors have access to their eMoney website and can link all of the client accounts, the financial plans, and the goal setting. eMoney also provides a secure vault for important financial documents.

Your Federal Employee Benefits Retirement Package

Mike and Lauren are both experts on the Federal Employee benefits. They speak nationally about FERS, FERS Special Groups, CSRS, CSRS Offset, FEGLI, the Thrift Savings Plan (TSP), Federal Health Insurance and Federal Long Term Care Insurance. They are excellent at coordinating your federal benefits into your overall financial picture.  At the initial free consultation you will be provided with advice and guidance on how to manage your valuable federal employee benefits.  You will receive a federal benefits report with strategies for making the most of your federal benefits both now and in retirement.  The federal benefits report is part of the free consultation.