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Services and Pricing

Figuring out what you pay a financial adviser can be complicated.  I've simplified it for you.  

               

Service

Benefits

Pricing

Comprehensive Financial Planning with multiple goals.  Includes income, investment and spending analysis.
  • A powerful way to set up your financial life and monitor it along the way to make sure you are on track. 
  • Two 1-hour appointments to get started and yearly check-ins.
  • Appointment 1 - Gather information about your income, assets and goals.
  • Appointment 2 - Review a customized plan along with all of our recommendations and a probability score of the likelihood of success. You receive a PDF and/or hard copy of the plan.
  • Annual Review - Meet yearly and as needed to adjust your plan year-to-year as your life evolves.
  • $750 for initial plan. Possible additional costs depending on level of complexity (discussed during initial meeting).
  • $250  per year for ongoing service and updates to your plan.
Investment Advisory Services
  • A customized solution to your investment needs based on your unique risk tolerance and time-frame using the power of Voya Financial to scour thousands of possible investment options.  
  • We find an allocation that allows for both enough safety and risk that works for your investor type.  
  • We will meet at least once per year to review the investments and make additional recommendations based on market activity or life changes.
  • Typically 1% of your balance per year.
  • When your balance is greater than $500,000, the percentage decreases.
Insurance Brokerage Services (Life and Annuities)
  • Use the partnerships through Voya Financial to find extremely competitive interest rates on annuities and low-cost life insurance policies.  
  • Voya has access to over 50 different insurance providers to find the right solution for you.  
  • Fees for my services are paid by the insurance providers. 
  • You only incur a fee if the product you select carries one.
Brokerage or Direct Mutual Fund Purchases
  • Use a brokerage account with access to any individual stock or bond or buy a mutual fund that is only sold through financial professionals.
  • Varies by company, investment type, and share class.  
  • I'd be happy to discuss more by email, in person or by phone.

The financial planning fees (fees) described above may increase or decrease depending upon the complexity of your individualized financial plan or the assets upon which your financial plan is based. Financial plans are sold pursuant to a Financial Planning Agreement (FPA) between Voya Financial Advisors, Inc. (VFA) and you, the client, pursuant to the terms and conditions contained therein. Please consult the fee listed on the FPA for the fee applicable to your financial plan. In the event of a discrepancy between the fees listed above and the fee listed on your FPA, the fee listed on your FPA will control.

Special Note:  Employees of the University of Texas receive pricing for the ORP and UTSaver voluntary retirement plans based on the contracted rate negotiated with Voya. These fees differ from above and are specific only to those plans. Please see  utexas.beready2retire.com for more information.