SERVICES

Financial Planning

Financial planning is a collaborative process to build an adaptable roadmap for you and your money. Abacus Financial Planning offers hourly advice, strategy sessions, and comprehensive financial planning.

  • 3rd March 2015
    7:00 PM
    1-2 Complimentary Meetings
    During your complimentary initial consultation, we can talk through your needs and what services might be a good fit.
  • 19th March 2015
    3:00 PM
    Onboarding
    When we start working together, there is a stack of paperwork to review. An agreement to sign, documents to gather. Abacus Financial Planning aims to make this as easy as possible for you, without cutting corners.
  • 1st June 2015
    7:00 PM
    Hourly Advice
    For specific questions, you may only need 1-2 hours of support to get pointed in the right direction. Hourly financial planning is built around what you need, when you need it. Hourly engagements begin with one complimentary meeting.
  • 1st June 2015
    7:00 PM
    Strategy Sessions
    We offer two types of limited engagements: “What do I do with employer stock?” or “How do I turn my investments into a DIY retirement paycheck?” We focus on key considerations to identify a strategy that fits your life and goals. You can implement the strategy on your own, follow-up with Abacus Financial Planning for hourly support, or outsource the implementation to Abacus Financial Planning through investment management.
  • 1st June 2015
    7:00 PM
    Comprehensive Financial Plan
    A comprehensive financial plan covers it all. We go through every detail of your finances to evaluate where you are, where you want to go, and how to get there. We typically work together over 3-5 meetings. A comprehensive financial plan is a great choice for a DIY-er who may need only specific advice every few years.

Are strategy sessions or a comprehensive financial plan the right fit?

Strategy Sessions:
Build Your Employer Stock Strategy
Comprehensive Financial Plan
Meetings23-5
Investments
(limited scope)

(broader scope)
Taxes
(limited to RSU and stock options)

(broader perspective)
Budgeting, cash flow,
debt management
Insurance
Retirement
Estate
Education
Charitable Giving
Strategy Sessions:
Build Your DIY Retirement Paycheck
Comprehensive Financial Plan
Meetings23-5
Retirement
Investments
(limited scope)

(broader scope)
Taxes
(limited to 1 year withdrawal scenarios)

(broader perspective)
Budgeting, cash flow,
debt management
Insurance
Estate
Education
Charitable Giving


Financial Planning Fees

Hourly: $320/hour
Strategy sessions: $1,120 – $4,480
Comprehensive financial plan: $3,200 – $10,640

Investment Management

Implementing an investment plan takes time and careful consideration. Abacus Financial Planning provides ongoing investment management support to handle this for you. Some investment management clients also work with us for ongoing financial planning.

The Abacus Financial Planning investment philosophy is guided by these ideas:

  • 3rd March 2015
    7:00 PM
    Diversify
    We cannot predict how a specific stock will perform. We primarily build portfolios using diversified mutual funds and ETFs.
  • 19th March 2015
    3:00 PM
    Timing
    We do not know when the market (let alone a particular stock) will go up or down. Time in the market is more important than timing the market.
  • 1st June 2015
    7:00 PM
    Tax Aware
    While tax decisions will not solely guide investment choices, the location and type of assets will be selected in consideration of taxes.
  • 1st June 2015
    7:00 PM
    Historical Research
    While historical performance is not a guarantee of future performance, we look to the past for trends to guide investment selection. For example, historically stocks have performed better than bonds. In general, more passively managed funds tend to outperform more actively managed funds.

Each client’s portfolio is created to fit their willingness, ability, and need to take risk. Abacus Financial Planning focuses on what we can control, such as determining the right asset allocation.

Investment Management Fees

Fees: 1% up to $2,000,000, then 0.40% on the balance over $2,000,000
Minimum account balance: $1
Ongoing comprehensive planning: provided at no additional cost for clients with assets under management over $350,000.

Ready To Work Together?