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Our Process
In any of these three avenues of service, we will need to create a baseline for where you are today and where you would like to see yourself down the road. This is the first step in the Financial Planning Process. These conversations initially are free of charge so we can assess what kind of help you need given your unique circumstances.
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Here at B&E Financial Services, we have sworn a fiduciary oath and we want to make sure you are served as best as possible. We are a "Fee-Only" Firm meaning, we are only compensated for the fee that you pay us as a client. We don't promote specific products, funds or services that provide a commission to us. We have no other objective other than to make sure we can make your dreams start to become a reality for you.
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Our fees depend on what service model is right for you. We have a simplified approach to this and offer a variety of ways to serve you. There will be a link below that will lead you to a more detailed view of our fees & services.
First Steps
Discovery Meeting - 30 minutes
We want to learn about you! A holistic financial plan requires details about what your wants and dreams may look like as well as what keeps you up at night. It's our job to workout all the details as well as help you plan for the unexpected.
At the end of this meeting is typically where we will send our engagement agreement to move forward if it is a good match for our services.
Financial Assessment - 1 Hour
This is where we shine as we take some of these complex topics and break it down to a much more digestible understanding. This is the conversation people dread. This is what leads people to NOT plan for their future, because it is walking into the unknown. We will begin to assess where you are financially and how we can make improvements to start making your money a means to create memories.
Plan Presentation - 1 to 2 hours
This is going to be our unique roadmap of recommendations on your strengths and how to overcome future pitfalls. This is what we will revisit and as you experience the twists and turns of life.
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Project Based Financial Planning
Two 1:1 Consultations
Three months of support after project is complete
End of year Assessment based on project
Could consist of one or multiple projects
Ex: Cash Flow, Tax Planning, Contributions and Gift-Giving
$500/hr
On-Going Comprehensive Planning
Unlimited 1:1 Consultations
Two Reviews per year
Cash Flow Analysis
Mapping out Goals and Life Events
Gift-Giving Strategies
Employee Benefits Guide
Insurance Planning
Investment Planning
Estate Planning
Tax Planning
Yearly Contribution Conversation
Investment Management
Four 1:1 Consultations per year
Performance Reporting
Tax Loss Harvesting
Weight-Based Rebalancing
*On-going Comprehensive Planning Included
Assets Under Management | Annual Advisory Fee |
|---|---|
$0-$500,000 | 1.00% |
$500,001 - $1,000,000 | 0.90% |
$1,000,001 and Above | 0.80% |