Financial Planning & Investment Management
 
 

Where do you want to go?

 
 
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Financially, everyone’s needs are singular. We’re all dealing with a different past and facing our own uncertain futures. There is no one-size-fits-all way to success however you measure it, be it with money, independence, or happiness. So, in an ever-changing world, we offer this much certainty: Everyone can have a plan. Everyone can be treated fairly. And no one has to do it alone. Together, we can get organized.

 
 

Comprehensive Financial Management

 

Contrary to popular belief, investment planning is not synonymous with financial planning. Investments are but a single aspect of your overall financial picture and shouldn’t be the sole focus of a plan.

For most folks a one-time financial planning engagement barely scratches the surface of your true needs. One thing we know for sure is that life is constantly changing and rarely stagnant. And guess what? Equalis is by your side every step of the way.

Unlike traditional planning engagements, our relationship continues beyond plan delivery and includes full implementation support. We recognize that we aren’t experts in all things so when it comes time to get financing for a house, buy life insurance, or file taxes, we’ll introduce you to our partners & even join in for meetings.

Based on the information provided throughout the discovery process, we will draw a personal financial roadmap for you. If at some point you are forced to make a left when the map says to take a right, don’t panic. We can re-evaluate where you are at that moment and discuss any additional changes that need to be made in order to keep you on track.

We’ll check-in throughout the year to monitor your financial situation & track your progress. We’ll also complete an annual review of your plan to ensure its accuracy and ongoing appropriateness, and to make sure you stay on course.

But wait, that’s not all! You get 24/7 access to your personal financial dashboard and unlimited email and phone support for accountability & to address changes throughout the year.

 
 

Common Planning Objectives

 
 
 

FINANCIAL INDEPENDENCE

education funding

Tax Planning

tax planning

 

insurance needs

 
 
 

purchasing a home

employee benefits

cash flow & budgeting

investments

 
 

Fees

Fees for comprehensive financial management typically range from $250 to $800 per month and increase with complexity. Typical factors that may increase complexity include owning investment property, stock compensation, if you are self-employed/business owner, etc. For example, a single person with a simple financial situation and W2 income may start at $250 per month whereas a family with 2 children, stock compensation and a duplex rental property may start around $450 per month.

The calculator to the right provides an estimate of what your fee may be. Upon conclusion of the discovery process, Equalis will provide you with a personal quote with your exact fee based on your particular set of circumstances.

Looking for something a little more basic or a limited scope project? Get in touch and we’ll give you a custom quote based on nature of the project and estimated time required.

If you are seeking investment management services for your portfolio, your planning fee may be combined with the investment management fee. Contact us for a custom quote.


 
 
 
 
 

How Will you get there?

 
 
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Investment Management

 

Are social causes important to you? Or the health of the earth? What about the gender pay gap or racial income inequality? That’s good, because they are so important to us that we typically focus on SRI/ESG impact investment strategies for our clients, effectively “putting our money where our mouth is."

We can’t take your kids to their sporting events or spend time with your friends and family, but what we can do is take some of the routine financial management off your plate so you can do the things that are most important to you without sacrifice.

Your financial plan provides us with guidance in creating your personalized investment strategy so we can better position you to achieve your dreams and intentions. Only until we know what you are truly planning for can we execute an appropriate strategy.

After implementing the personalized investment plan, we will meet regularly to review and assess your investments to ensure that your allocations are still appropriate.

Though we do not require clients to delegate the management of their investments to Equalis, we encourage you to think about how valuable your time is and where you would like to focus that energy.

Our Strategy

We typically use a core satellite approach, which provides flexibility to blend different styles of investing and different market exposures to best suit your risk profile. We can combine passive investments, such as traditional index funds, with active investments to form diversified and dynamic portfolios. The core forms the foundation of the investment strategy, around which the more specialized satellite investments are added. 

Fees

We use a tiered fee schedule, which means different asset levels are assessed different fees.  This way, everyone, regardless of account size, pays the same rate on the same deposit level lending a sense of fairness to all clients.

 
 
 
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If you choose to delegate the management of your investment portfolio to Equalis, we may reduce your Comprehensive Financial Management fee. Clients with more than $1,000,000 in Assets Under Management will receive Comprehensive Financial Management at no additional charge.

While we’re on the subject of fees, let’s clear up some potential confusion.

When the phrase “fee-only” is mentioned, it’s commonly misunderstood to mean “flat-fee.” The majority of financial advisors who provide investment management services on a fee-only basis charge what is called an “asset under management” fee. This fee is based on a percentage of the investments the Advisor is managing (usually 1% give or take) but is still considered fee-only because the fee is paid directly by the client and not by a 3rd party like an insurance or a mutual fund company.

We know this process is new for many of you so if you’re feeling apprehensive, don’t worry, you’re not alone. Our priority is making sure you understand exactly what you are paying and the services you’ll receive in exchange. Transparency is the name of the game and we think we’re pretty good at it!

 
 
 
 

Ready to get organized?

Let's make it happen!

 
 
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