Financial planning
Foundation
A written plan to help you make big decisions.
“He is like a man building a house, who dug deep and laid the foundation on the rock. And when a flood arose, the stream broke against that house and could not shake it, because it had been well built.”
Luke 6:48 (ESV)
Planning Areas
When to retire, Social Security, pensions, which accounts to draw from first
Allocation, risk, and your written Investment Policy Statement
Roth conversions, managing your bracket, charitable giving, working with your CPA
Spending, emergency reserves, paying off the mortgage
401(k) and pension elections, stock compensation, HSA
Life, disability, long-term care, health coverage before Medicare
Wills, beneficiaries, account titling, trusts
Education funding, aging parents, special circumstances
Choose Your Scope
Investment management + planning
Cornerstone
Professional investment management and monitoring with financial planning included.
“The stone which the builders rejected has become the chief cornerstone. This was the Lord’s doing; it is marvelous in our eyes.”
Psalm 118:22–23 (NKJV)
What’s Included
A written, personalized document defining your goals, risk parameters, and investment strategy
Custom allocation built around your goals and stage of life
Ongoing portfolio oversight, monitoring, and adjustments when your plan or markets shift
Included at no additional fee. What’s included depends on your household’s assets, shown below.
View your accounts and holdings anytime through the custodian’s website.
Your accounts are reviewed at least once a year to confirm your strategy still reflects your goals
Investment Process
Understand Your Risk
We talk through how much risk your plan can withstand versus what you can actually live with. It’s important to understand the difference.
Look at What the Market Offers
We look at what stocks, bonds, and other investments are realistically expected to return based on published research, not headlines or hunches.
Build Your Mix
Combine different types of investments into a mix custom-designed to help you reach your goals, on your timeline. No one-size-fits-all solutions.
Fee Schedule
| Assets Under Management | Annual Fee |
|---|---|
| First $200,000 | 2.00% |
| Above $200,000 | 1.00% |
Each rate applies only to the assets within its tier, the same way income tax brackets work. Household accounts are combined.
Minimum account size: $50,000 | Minimum annual fee: $1,000
Planning Included at Each Level
Financial planning is included. How much depends on your household’s assets: a Clarity Session from $50,000, a One-Time Financial Plan from $200,000, and Ongoing Planning from $1,000,000.
| Household Assets | Planning Included | Example Annual Fee |
|---|---|---|
| $50,000 | Clarity Session on one area | $1,000 (2.00%) |
| $200,000 | One-Time Financial Plan on up to three areas | $4,000 (2.00%) |
| $500,000 | One-Time Financial Plan on up to three areas | $7,000 (1.40%) |
| $1,000,000 | Ongoing Planning on every area | $12,000 (1.20%) |
| $2,000,000 | Ongoing Planning on every area | $12,500 (0.625%) Maximum applies |
Ready to get started?
Schedule a complimentary 30-minute call to see if we are a fit for each other. No cost or obligation.
Schedule a ConversationAdvisory services offered through Financial Empowerment LLC, an investment adviser registered with the state of Texas. Registration does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Financial Empowerment LLC and its representatives are properly registered or exempt from registration.
The information on this site is not intended as tax, accounting or legal advice, nor is it an offer or solicitation to buy or sell, or as an endorsement of any company, security, fund, or other offering. Information provided should not be solely relied upon for decision making. Please consult your legal, tax, or accounting professional regarding your specific situation. Investments involve risk and have the potential for complete loss. It should not be assumed that any recommendations made will necessarily be profitable.
The information on this site is provided “AS IS” and without warranties either express or implied and the information may not be free from error. Your use of the information provided is at your sole risk.
Past performance is not a guarantee of future results. Investments are not guaranteed and may lose value. Different types of investments involve varying degrees of risk. There can be no assurance that a specific investment will be suitable or profitable for a client’s portfolio. This site contains forward-looking statements which are aspirational in nature. There can be no assurance that the author’s views will come to pass.
Indexes are unmanaged measures of market conditions and do not incur fees or transaction costs, the payment of which would decrease the reported performance. It is not possible to invest directly in an index.
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