WHAT WE DO
Moore Financial Advisors, Ltd., provides two levels of service: comprehensive financial planning & investment management, and hourly financial planning.
WHO IT IS FOR:
Most of our clients work with us on a long-term basis, as partners in achieving the things that are important to them in life. We provide coordinated financial planning and investment management services to clients who have at least $500,000 of assets to invest.
What it entails:
1. GOAL SETTING
We first get to know you so that we can map out your goals. We then put a plan together to meet those goals and manage your investments so that you have the time to enjoy your life. Our work together gives you the peace of mind of knowing you are on track in achieving your goals.
As your advisor and coach, we may help you with goals such as:
- Preparing for a comfortable retirement
- Paying for a child’s education
- Leaving a legacy for your heirs
- Philanthropic planning
- Other goals that may be important to you
Everyone has his or her own aspirations in life; we’re here to help you realize yours.
2. ROAD MAPPING A PLAN
We work with you to sort through complex financial issues. We help you develop a plan for how you will “get from here to there,” and provide professional investment management services so that you can enjoy the peace of mind and confidence that you are taking the right actions to protect your future. We work with you to ensure that your wealth is protected against the unexpected. We also work with you to determine your goals for your legacy and the best ways to provide for the people and causes that you care about.
3. TAX PLANNING
We analyze your tax returns to develop tax strategies, and offer advice regarding tax sensitive investing, review of cost-basis, carry forward losses, stock option exercise, and tax loss harvesting. In addition, we advise on potential Roth conversions, and charitable gifting strategies. We can work directly with your accountant to review your recent tax returns and identify potential savings or restructuring opportunities, giving you proactive ideas to save money in the future.
4. INVESTMENT MANAGEMENT & OTHER CONCERNS
Based on the financial plan we develop together, we design an investment strategy that considers your own circumstances and goals, tax planning, and charitable desires. Your portfolio is regularly rebalanced against a target asset allocation mix that is designed to help you meet your goals. This helps to ensure that we take the emotion out of investing and keep your portfolio allocations in line with your investment plan. We ensure that your portfolio is designed to maximize the tax-efficiency of your investments, which can result in significant savings in taxes.
5. COLLABORATING ON THE “BIG PICTURE”
We collaborate with your accountant, attorney, or other professionals to help you integrate professional services and ensure the advice and services you receive are coordinated.
Our annual fee schedule for comprehensive integrated financial planning and investment management is as follows:
- 1% of the first one million dollars under management ; plus
- ¾% of the next two million dollars under management; plus
- ½% of remaining assets under management.
Fees are payable on a quarterly basis for the previous quarter’s services.
The minimum annual fee for comprehensive financial planning and investment management is $5,000.
FINANCIAL PLANNING ON AN HOURLY BASIS
WHO IT IS FOR:
Clients who do not need comprehensive investment management and financial planning services, and are instead looking for assistance with developing a comprehensive financial plan, or assistance with one or two specific areas of their financial life.
WHAT IT ENTAILS:
The focus of our hourly financial planning work with you is completely based upon your needs.
You may want help developing a comprehensive financial plan to achieve your goals for retirement or buying a home or starting a family, but you want to manage your investments yourself. Or maybe you have more limited needs and want help with one or two specific areas of your financial life. You may simply need an opportunity to consult with someone about strategies for accomplishing your goals.
The fee for our financial planning service is $300/hour.