We build your service around:
1
Topics
What you would like to cover
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Investments
Insurance
Cash Flow / Budgeting
Tax Planning
Estate Planning
Education Planning
Retirement
Social Security / Medicare
Employee Benefits
Major Life Changes
Philanthropy & Giving
2
Length
How long you want our support
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Hourly
One hour conversation
Short-Term
This could be a few meetings over a few weeks or shorter or longer depending on the type of help you need
Ongoing
A long-term partnership that lasts as long as you’re receiving value from us
3
Assistance
If you want guidance, implementation, or both
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You do it
We give the advice. You take it from there
We do it
We’ll click the buttons and make the calls
Do it together
Some things you’ll do, some things we’ll do
Services
Hourly
Answer specific and urgent questions
Topics: You choose
Length: Hour
Assistance: You choose
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$450 for the first hour*
$300 for each additional hour
*This includes pre-meeting prep and post-meeting summary
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A one-hour conversation to answer any question you have.
We will send a form before the meeting for to give us any information necessary ahead of time.
We will also provide a meeting summary with any relevant action items after the meetings.
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Choosing 401(k) investment options
Review an insurance policy
Review a housing purchase decision
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60-90 minute meeting
Post-meeting summary including action items
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Method: Credit or debit card
Timing: After the meeting is complete
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You have no ongoing commitment after our meeting is completed.
“Get on Track”
Quick Plan
A full plan without the long-term commitment
Topics: All
Length: Short-Term
Assistance: You choose
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Standard: $3,600*
Accelerate: $1,800***
1st payment: 50% collected up front
2nd Payment: 50% collected at plan completion once you are completely satisfied.***
***If you choose to engage in Ongoing Planning, the 2nd payment is credited back to you over the first 12 months.
*Fee may be higher for clients with more complex situations
**We offer a discount for households with a net worth under $500k to accelerate their financial life
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This is our comprehensive plan for people who want to implement themselves.
We’ll have three (3) meetings and cover all relevant planning topics.
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Everything listed in the Planning section below
Specific plans for each of the 6 variables of financial planning
Customized investment portfolio to fit your risk tolerance and time horizon
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Full financial plan covering all relevant Planning topics
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Method: Credit or debit card
Timing: We typically collect half the fees up front, and half the fees at project completion
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You have no ongoing commitment after our engagement is completed.
Custom
Short-Term
Design your own project based on what you want.
Topics: You choose
Length: Up to you
Assistance: You choose
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Varies based on topics, length, and assistance
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Choose your own combination of topics, length, and assistance.
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Review existing plan
Review insurance policy
Purchasing a home
Receiving an inheritance
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Varies based on topics, length, and assistance.
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Method: Credit or debit card
Timing: We typically collect half the fees up front, and half the fees at project completion
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You have no ongoing commitment after our engagement is completed.
Investment
Only
Advanced investment strategies w/o full planning
Topics: Investments
Length: Ongoing
Assistance: We do it
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0.50% per year of assets managed
Investment Management is included in our Ongoing Planning
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Our investment-only offering is designed for people looking for advanced investment strategies that are not yet available for non-professionals.
(e.g., structured notes, alternative investments, and certain institutional managers.) -
Portfolio of equities and fixed income to fit your risk tolerance and time horizon
Portfolio of structured notes to attempt to either 1) increase upside potential, 2) limit downside potential, or 3) generate income.
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Customized investment portfolio
24/7 access to your account information
2 scheduled review meetings per year (+ability to schedule meetings as needed)
Everything available in our investment offerings
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Fees are deducted directly from your investment account.
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You can move your money at any time.
If you move your money during the quarter, fees will be pro-rated for period your money was being managed.
Comprehensive Ongoing
Get and keep your entire financial life on track
Topics: All
Length: Ongoing
Assistance: You choose
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Standard : $750/month*
Accelerate: $500/month**
Investment management is included
*Fees may be higher for clients with investible assets above $3 million or for more complex situations
**We offer a discount for those with a net worth under $2M to encourage people to accelerate their financial lives.
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Our ongoing financial planning + investment management looks at all areas of your financial life on an ongoing basis.
Investment Management is included in this offering. Whether you keep your investments where they are or we manage them directly, the price is the same. We believe the value is in the advice, not who is clicking buy and sell.
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Everything listed in the Planning section below
Specific plans for each of the 6 variables of financial planning
Customized investment portfolio to fit your risk tolerance and time horizon
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Full financial plan covering all topics listed in Planning section below
Customized investment portfolio
24/7 access to your plan and account information
4 scheduled review meetings per year (+ability to schedule meetings as needed)
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You have two choices:
You can pay by credit or debit card
If you choose to have us manage some of your investments, planning fees can be deducted directly from your investment account. (We do not charge additional fees for investment management)
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Initial commitment period of 12 months then month-to-month.
If you are unsure about committing, we recommend you start with our Get on Track Quick Plan
Planning
Everyone wants a "financial plan" but very few can say what a financial plan actually is. At Ataroke, we believe there is a difference between "a financial plan" and "doing financial planning".
A "financial plan" is a series of projections and best-guesses under current conditions. Like a flight plan for pilots, it is necessary, but sure to be wrong and shouldn't be followed blindly.
"Financial planning" is a process — a process of clarifying your purpose, being intentional, and setting guiding principles that help you adjust in the changing landscape that is life.
Planning topics we address:
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Are you putting the right amount of money to work in the right places?
We'll help you get your investments in line whether we manage it or you do.
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You never want it until you need it.
We don't sell it, but we'll make sure you get the right kind, the right amount of coverage, and not pay too much.
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Is your money going where you want it to?
We'll help you get a better handle on your cash flow, whether it's paying off debt, structuring new debt, or just trying to be more efficient.
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Congrats! If you're paying taxes you're likely making money.
We'll help you make sure you don't pay more than you need to.
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Will your money go where you want it to go, when you want it to go there?
We'll review your existing estate plan and get you in touch with the right professionals if any changes need to be made.
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If only YouTube gave diplomas.
We'll help you calculate and plan for the best way to pay for education costs.
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Being unemployed for 30 years will be easy, right?
We'll help you determine how much you'll need in retirement, where your income will come from, and what you need to look out for.
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Someday you'll actually benefit from all those taxes you've paid over the years.
We'll help you understand and sign up for these programs to get the most out of them.
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Do you get confused looking at all the options your employer offers?
We'll help you understand your options and make sure you're getting the most out of your benefits package.
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All that "other stuff" that comes up in life. Selling a house? Starting a business? Having a child?
We'll help you understand how these life events will affect your long-term goals and make the best decision.
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You can’t take it with you when you go.
We’ll help you make sure you’re giving to the people and organizations you care about and maximizing the financial impact of your gifts.
Investing
If you’re looking for someone to get you out of the market before a crash, and back in before the rally, keep looking.
If you’re looking for someone to help you invest your money in accordance with your purpose, time horizon, and risk preference, you’re in the right place.
We believe investment performance is about behavior as much as it is allocation. We believe that by helping you understand why you are investing the way that you are and setting proper expectations up front you are more likely to stay the course and experience better results over the long-run.
Insurance
Just because we do not sell insurance does not mean that we ignore it. Insurance and risk management is still a vital piece of any financial plan.
We’ll make sure your deductibles are appropriate and identify any gaps in coverage. If you need to purchase insurance, we’ll help you shop for and purchase it. We don’t sell it, but we’ll be by your side to make sure you’re getting a good deal and not being sold something you don’t need.
If this sounds like what you are looking for, then let’s schedule a call.
This 15 minute phone call will give us both a chance to make sure your situation matches our expertise.