What you get &
How much does it cost
an investment in your future (and maybe more sleep at night)
financial planning
what you get
You get an individualized financial plan, tax planning and continued guidance, in the form of semi-annual meetings and access anytime for additional questions when life happens and plans need to change.
Tax preparation and filing (if desired, for additional fee not included in annual fee) is provided through Dream Lake Tax & Accounting, a separate company under common ownership.
what it costs
A flat dollar fee of $3600 per year ($300 per month, paid monthly)
Who this is best for
If your assets are tied up in a pension, your business, or you are just getting started, we believe everybody should have access to financial planning. Whether you have assets to transfer or not.
Investment Management
what you get
In addition to an individualized financial plan and ongoing guidance , we provide discretionary management of investments.
Tax preparation and filing (if desired, for additional fee not included in annual fee) is provided through Dream Lake Tax & Accounting, a separate company under common ownership.
what it costs
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Fee can be deducted quarterly directly from your investment account under management through Charles Schwab.
Who this is best for
If you want professional, personalized investment management along with your tailored financial plan.
What to expect
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Meeting 1
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Get to know you and where you want to be
We Meet With you to find out what is important to you and what you need.
We get to know you, what makes up the life you are living, listen to what your concerns and goals are, and where you hope to be in the future. This lays the groundwork for making tailored recommendations that align with your values and desired outcomes.
Meeting 2
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Organize it
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We need information from you, this is the time we get it. This will reduce the back and forth and make sure we aren’t missing anything. It’s also a time where we will get all your finances sorted out, helping us all gain clarity on where everything is.
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Meeting 3
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Explore possibilities
We Meet With you to find out what is important to you and what you need.
We’ll get into the nitty gritty here, looking at your current financial status, how you got here and where you want to be, and what, if anything, is getting in the way. We’ll take a look at income, spending, current savings, and other financial pieces. We can show you how your “I’d like to” might be possible, using different models.
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Meeting 4
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Plan Delivery
This is where the rubber meets the road – in this meeting we will present our recommendations through your tailored financial plan, with a goal of implementing the most pressing recommendations first.
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ongoing guidance
We Meet With you to find out what is important to you and what you need.
Together, we will continue to implement the remaining recommendations, meeting at least semi-annually to check in, making sure we are making progress. We understand life happens too, and you can reach out in between meetings if you have questions or if anything changes.
Transparent
Fees
We operate on a fee-only basis. Unlike firms that earn commissions on selling specific products, we do not sell any financial products or earn any commissions. This allows us to make recommendations based on what's truly best for you.
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By adhering to both the fiduciary standard and the fee-only model, we ensure complete transparency and alignment with your financial goals. We use Charles Schwab as the custodian for your accounts. These accounts are always available for you to review, providing another layer of transparency.​
