Financial Planning for a
    Worry-Free Retirement

Engagements and Fees

More than Your Money, Inc. has several engagement arrangements available to allow clients to choose a package of services that meets their needs. To allow our clients to get the maximum attention for the services they choose, we do not work strictly on an hourly basis.

STANDARD INTEGRATED ENGAGEMENT

We strongly feel that this is the best engagement for most clients. This engagement establishes a relationship where the clients receive the full benefits of the services we have available. A client generally meets with their planner five to six times per year during the first two years, depending on the complexity of their situation, to create and begin implementation of their integrated plan.

The areas covered include:

This engagement is open ended, which means that there is no limit to the number of appointments or amount of time for each item. Clients may schedule additional appointments or call for information between appointments on the topics listed above. This allows them to deal with changes without an added charge. The cost is determined specifically for each client and depends on the complexity of the client's situation.  Standard engagements begin at $6,500 per year.

INVESTMENT MANAGEMENT

Some clients only want management of their investments without integrated planning. For a limited number of clients, More than Your Money, Inc. will manage a client's investment portfolio without integrated planning. This would include investment recommendations and the monitoring of the client's investable assets, including assets such as 401k's. As with the Standard Engagement, this does not limit the number of appointments or calls available to the client in regard to their assets, nor does it limit the number of hours the planner will spend on recommendations and asset monitoring. This engagement does not, however, include other financial services available through the firm.  Investment engagements begin at $5,000 per year.

LIMITED ENGAGEMENT 

When a Standard Engagement has more services than a client wants, we can customize an engagement to include only the services they want. They can choose from the services offered in the Standard Engagement for a predetermined annual fee.  Clients may upgrade from a limited engagement to a Standard Engagement within 6 months of the original contract and apply the fee toward the Standard Engagement.  A limited engagement begins at $1500 for two hours of service.

FOCUSED CONSULTATION

A focused consultation begins with a twenty minute telephone appointment to answer your questions about the process and briefly discuss the topics you would like to discuss. After the telephone call, generally, a two hour meeting is scheduled with a Certified Financial Planner to review limited aspects of your financial situation. This is not a full financial plan. At the end of the two hour meeting, you will leave the appointment with a written summary of the major points discussed during your meeting. There is no further obligation on your part or on the part of More than Your Money, Inc.

Some topics that may be addressed during the appointment include:

No tax preparation or investment implementation is included in this review. This is not a full financial plan. It is a brief overview of your financial progress and a review of limited aspects of your financial situation. If you are interested in becoming a full, More than Your Money, Inc. engagement client, the full amount for the Focused Consultation will be applied against the initial engagement if you decide to become an ongoing client within 6 months. The cost for a two hour Focused Consultation is $1500.