Ways to Work Together
Sound advice with transparent pricing.
Financial Planning Options
Financial Planning Option #1:
Hourly Planning
What is it? This option is simply engaging with the me on an hourly basis. You could engage to answer a couple questions or engage to complete a full financial plan.
How does it work? The level of engagement will be discussed during our Fit Finding process. Based on your needs we can offer a general estimate for the number of hours needed but will track our time and bill in arrears once per month at the end of the month.
How much does it cost? Currently, Nathan charges $200 per hour.
Financial Planning Option #2:
Structured Collaborative Long-Term Financial Planning
What is it? The initial stage of this option is an 8 step planning process that goes in-depth into each topic implementing ideas and changes as we go. The ongoing stage of this option is an 11-topic process where we continue to execute, adjust and make progress towards your goals.
How does it work? We meet every other month for a total of 6 meetings per year. We will tackle each of the steps during these meetings while being flexible to adjust as your life changes and new questions come up.
How much does it cost? This option costs an annual retainer paid quarterly based on household size. For single income households, the cost starts at $900 per quarter. For couples, the fee starts at $975 per quarter. Fees may increase based on complexity.
Investment Management
Investment Advisory Services
When creating an investment plan for you, Head to Toe will be focusing on making sure that your plan is aligned with your goals. We will spend the time during our initial meetings to get to know you so that we understand what is the best approach when investing your assets.
You can count on us for balanced long-term management of your money.
Cost: Annual fee on assets under management with a maximum fee of 1% for assets under $1 million. For those with accounts over $1 million the pricing is 0.4%
What is the value of hiring a financial planner/advisor?
Evaluating the Value
Many of our clients have never worked with a financial planner or investment manager before and it can be difficult to evaluate if the cost of hiring us is worth it for your family.
To help prospective clients answer that question, we’ve created the Head to Toe Hierarchy of Advisor Value pyramid.
Two of the biggest ways we can help you impact your finances over time is helping you save and invest more money.
The Type of Clients We Do Our Best Work With
Maya:
Attorney
Her Biggest Concerns: Planning for partnership or transition, maximizing current income, cash flow management and strategic tax planning
Grace & Peter: HENRY’s
(HENRY) High Earners Not Rich Yet. Their Biggest Concerns: Investing, how to best allocate their income, purchasing a home and planning for kids.
Amy & Scott:
Business Owners
Their Biggest Concerns: Tax efficient retirement planning, systematizing their business to be less dependent upon them and growing their personal net-worth
Natalie: Attending Physician
Her Biggest Concerns: Student loan strategy, purchasing a home, managing family life and work to avoid burnout and getting to work optional ASAP
Fee Only Pricing
Head to Toe's pricing structure is Fee-Only, which means that we are transparent and upfront with our costs. We do not accept any fees or compensation based on product sales.
Whether you are pursuing financial planning or our investment advisory services, we will be open and honest about what our costs will be. We do not accept product commissions, referral fees or any other sort of kickbacks.
Other Resources
CHOOSING THE RIGHT ADVISOR
Choosing a Financial Advisor is a big undertaking and comes with a lot of questions. Some of those questions are more obvious than others. To help you ask the right questions here is a list of 5 steps to take and 10 questions to ask before you make your decision.
TAX PREPARATION AND PLANNING
Sorting out your taxes can be an integral part of getting a handle on your finances, and finding the right tax person is a great foundational piece of your financial well-being. If you are looking for someone to take on the responsibility of doing your taxes, we can point you in the right direction.
STUDENT LOAN PLANNER
Student Loans are one of the biggest problems that our clients have to tackle. Please reach out to us with questions, we are happy to help! If you are looking for a stand alone student loan plan, we encourage you to check out Student Loan Planner.