COMPREHENSIVE FINANCIAL PLANNING
Investment Advisory / Portfolio Management Services Compensation & Benefits Planning Income Tax Planning (excluding income tax return preparation*) Wealth Conservation and Asset Protection Personal Risk Management and Insurance Business Continuation / Succession Planning Charitable Giving Retirement and Event Planning Gift and Estate Planning * where needed, tax return preparation can be provided through third party sources

FEE STRUCTURE

Fees and other charges will be established based upon the client's unique circumstances and the nature and scope of the engagement. Actual fees (or the range of fees to be expected) will be communicated to the client in writing and will be agreed to by the client in writing before the engagement is commenced. The following are basic fee guidelines.

• Initial Interview / Consultation: Free
• Financial Planning Analysis and Report: $1,000 and up
• Basic Hourly Rate: $250 per billable hour
• Family Office Retainer Fees: Start at $10,000 plus $5,000 per family member per year
• Asset Management Fees: Based upon the value of assets under management
• Project Engagements: Negotiated based upon the scope and nature of the engagement

Unless otherwise agreed to, all fees are in addition to commissions or other compensation earned by as a part of the financial planning process

ADDITIONAL INFORMATION

I will provide prospective clients with references upon request.

I will provide a free initial consultation to prospective clients so that we can mutually determine whether their planning needs and my practice are a good match.

I have taught courses in investments and financial planning at colleges in Massachusetts and southern New Hampshire.

I am an approved instructor for CFP® courses offered by the College for Financial Planning, Denver, CO.

I am currently pursuing a Master of Science Degree in Financial Analysis through the College for Financial Planning (CFFP) and a Master of Science degree in Finance (Investment Management concentration) through Golden Gate University (GGU)

REFERENCES & RESUME

Available upon Request