OUR SERVICES

Comprehensive Financial Planning

Our work with clients begins by helping you understand where you are and where you want to go. We then determine how to best use your financial resources to get you there and oversee the implementation of that plan.

We have a strong emphasis on client education and appreciate clients who want to know not only what to do, but why. In our first year we will typically have 6 meetings as we go through your financial and income status, retirement, insurance, employee benefits, tax planning, estate planning and charitable giving goals. Subsequent years offer quarterly meetings and we are always available for questions by phone/email.

Investment management is included in our financial planning fee for portfolios up to $6M and we have no minimum asset requirement. We also offer tax preparation to our planning clients for an additional fee.

How much does it cost?
Comprehensive planning is billed as annual fee that can be paid monthly or quarterly, in arrears., with an onboarding fee equal to one-sixth the annual fee (2 x monthly fee) for new clients. While charges are based on an annual fee, clients may cancel at any time with 30 days' notice.

Base Annual Subscription Fee shown in table below is based on AGI (last full year's Adjusted Gross Income), Total Portfolio Value. An additional fee is added for equity compensation considerations. Total Portfolio Value (TPV)  is inclusive of, but not limited to, checking/savings, taxable accounts, vested equity compensation, IRAs, college savings accounts, HSAs, employer plans such as 401(k)/403(b), and investment property. Equity in primary residence is excluded.

Base Annual Subscription Fee Based on AGI and TPV

AGI

TPV under $1M

​​TPV $1M–2M

​​​TPV $2M–4M

​​TPV $4M–6M

Under $300k

​$6,000

$7,500

​$9,900

$15,000

---

$300k-$500k

$8,100​

$9,900

$12,600​

$18,000

---

$500k-800k

$10,500

$12,600

$15,900

$22,200

---

Over $800k

​$13,200

$15,600

$19,500

$27,000

---

Add $1500/year to annual fee above for unvested equity compensation (excluding single-trigger RSUs) such as ISOs, NQSOs, PPUs, SSARs, and double-trigger RSUs, or those with AMT carryforwards.

For TPV over $6M an additional Assets Under Management fee of 0.25% of managed assets in excess of $6M will be added to the Annual Subscription Fee. Assets will be evaluated annually and value rounded down to nearest $500k.

 

Investment Management

Investment management services are included in our annual comprehensive financial planning fee.  We have no asset minimum and have many clients for whom we do not directly manage their investments. We monitor and advise on employer-sponsored retirement accounts and any other investment accounts or assets that are part of our clients' portfolios. Our managed accounts are held at Schwab where we invest primarily in index funds/ETFs and DFA funds.

 

Tax Preparation
We believe that tax planning is of central importance to comprehensive financial planning. Since we know our clients situation best, we offer tax preparation services to our financial planning clients. This is billed as an additional fee separate from the planning fee. Tax preparation services are currently only available to clients who have also engaged EosFP for financial planning work. Existing clients will be contacted to opt-in to this service in January.