& Services
Focusing on our clients' emotional needs as well as their financial goals and aspirations allows our process to remain structured while ensuring a personal and compassionate experience. We offer Financial Planning, Investment Management, and Portfolio Monitoring to people who value collaboration and strive to live authentically.
Our Process
The Prism Promise
You deserve a team that is committed to you feeling well taken care of, informed, and secure. Pursue your dreams and passions - We've Got Your Back!
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What we do
Financial Planning
We can help you answer one question, or develop, implement, and monitor your long term financial plan.
Fees are flat rate, based on the complexity of your situation. They may be paid by credit card or ACH, including from an Investment Management account.
Financial
Planning
Investment Management
These are the investments we manage for you.
Fees are a percentage of the value of your account, which declines as your account grows in value. They are deducted monthly from your account.
Investment Management
Portfolio Monitoring
These are the investments we are not managing for you, but we will monitor them periodically, and make recommendations based on your holistic financial picture.
Fees are a percentage of the value of the accounts being monitored, and are set annually.
Portfolio Monitoring
Our Process
Step
1.
Discovery call
This 15 minute call is to discuss and explore your unique needs and is the perfect opportunity to make sure we are a good fit for each other!
Step
2.
Consultation
We learn about your financial goals and aspirations. Having a clear picture of your optimal lifestyle helps us suggest solutions that are ideal for you!
Step
3.
Gather Information
Documents, as well as other qualitative and quantitative information, complete your current financial picture.
1.
2.
Step
4.
Present your
financial plan
A time for us to deliver your unique plan filled with our recommendations, implementation advice, and actions to suit your specific lifetime goals.
4.
Step
5.
Develop your
Action Plan
We will work with you to prioritize the next steps that will have the most significant impact on your long-term success. At this point we will also develop your investment strategies.
Step
6.
Implement your strategies
We will work with you to execute on your top priorities, checking in with you at a pace you decide. If appropriate, this is where we will begin managing investments and monitoring your portfolio.
Step
7.
Monitor/track
your progress
We will be with you every step of the way as you work towards your life goals. We will be your biggest cheerleaders.
5.
6.
Step
8.
Update the Plan
As you check things off your list we will help you update your goals and your plan every year, adjusting to the curve balls we know life will have in store for you.
Services
Monthly plans
All monthly plans include:
Educational webinars
Client portal
Unlimited email access to the team
Updates if tax laws change
Market and economic updated (live calls)
Annual personal financial plan updates
Friends and family invitations
Reflect
Luminescence
Specular
Your Investment
Financial Planning
Luminescence ($460/month)
Engagements beyond what is listed may be charged on an hourly basis.
Investment Management
Annual Fees
1st $1 million
Next $4 million
Above $5 million
(If at least 80% of account is in bonds, reduced schedule applies)
0.70%
0.50%
0.30%
Portfolio Monitoring
Annual Fees
0.25%
Fees may be paid by credit card or ACH, including from an Investment Management account.
Portfolio monitoring is only available to comprehensive financial planning clients (Reflect, Luminescence or Specular plans). This service is solely consultative in nature and involves no on-going supervision, trading, or discretion with respect to securities transactions. Clients are responsible for placing and executing their own trades, either on their own or with another investment advisor.
