I can help you coordinate and invest all your investment accounts:
How Does It Work?
Once we understand your total financial picture, we design an investment plan that coordinates with it. That plan (called an Investment Policy Statement) is based on an assessment of your attitudes towards risk, your objective financial situation, and your goals. This IPS will guide all aspects of how I invest your money, and it will keep us both sane when the markets are anything but.
I recommend that my clients use TD Ameritrade as custodian for their accounts but can accommodate accounts held elsewhere. I directly manage these accounts. I also advise on “outside” accounts, like 401(k)s or 529s which I don’t have access to.
I work virtually, so we conduct all our meetings online or on the phone (unless you happen to live near Bellingham, WA. It’s beautiful up here!) and at your convenience.
How much does it cost?
|Account Size||Annual Advisory Fee|
The blended fee is applied to the market value of the account. For example, an account valued at $600,000 would pay an effective fee of 0.475%:
($500,000 x 0.50%) + ($100,000 x 0.35%) = $2850.
The fees are pro-rated and paid quarterly, in arrears.
Flow provides Investment Supervisory services only to clients with an ongoing planning relationship; the fees are in addition to financial planning fees. I have set the investment fees significantly lower than the industry average to better align my business practice with your interests.