At Real Wealth Planning, we help individuals and families comprehensively prepare for life's ongoing opportunities and challenges. We provide guidance during life transitions and ongoing financial management in support of your personal and professional goals.
We work closely with business owners and busy families, particularly those experiencing sudden wealth events such as receiving an inheritance, selling a business or engaging in a significant real estate transaction.
On the surface, our primary role is to streamline your financial record keeping and closely manage your investments, cash flow, tax liabilities, estate planning and more.
Throughout our partnership with each family, we facilitate critical financial and behavioral conversations among family members in order to foster a cooperative approach to your wealth management.
Personal CFO services are for families and business owners with ongoing household income of $400k+ or net worth of $2M+, and for individuals who are aligned with our client engagement standards.
Upon completion of your your initial financial plan and onboarding, we conduct meetings every 2-4 months covering a variety of financial planning topics aligned with your goals. In advance of these meetings, we provide you with information to review, and during the meetings, we focus on educating you and your family, addressing your questions, and initiating the tactical implementation of your financial plan.
Every client receives a custom fee schedule based on complexity and scope of services. Individuals & families start at $12,500/year and business owners or families with complex needs start at $15,000/year. Fee ranges can be found in our ADV in Part 2A, item 5. Annual fees include ongoing investment management and financial planning. Annual fees can be paid either from monthly cash flow or managed investment accounts.
Building a future aligned with your values is essential to living a fulfilling life surrounded by the people and things you love. At Real Wealth Planning, we have designed a collaborative life planning process centered on your passions, serving as the foundation for a robust financial plan that propels you and your family toward achieving your dreams.
Individuals & Families with annual income over $300K and/or investment portfolio over $1M and are aligned with our client engagement standards.
We will conduct a series of meetings aimed at uncovering your vision for you and your family’s life, while also identifying potential obstacles along the way. In between these meetings, we provide exercises to foster clarity, equipping you with a personalized financial plan that empowers you to lead your best life.
You will receive a personalized financial plan covering retirement, estate planning, tax strategies, investments, debt management, and education for you and future generations. This plan can either serve as the basis for an Ongoing Partnership with us or be utilized for independent implementation.
Most households will onboard with an initial comprehensive financial life plan, which is a one-time flat fee that starts at $4,500 - $9,750+. This applies specifically to households with complexity, such as a business, big life transitions, concentrated stock portfolios, rental portfolio, complex tax or estate issues, complex budget work, etc.
We may reduce or waive this initial fee for households that are onboarding $1M+ at the start of our engagement. This typically applies to households with simple income sources and traditional investment accounts. Simplified onboarding is typically 3 meetings and starts at $1,750-$2,500 for individuals and $2,500-$3,250 for couples.
At Real Wealth Planning, we specialize in creating personalized financial plans that considers important elements such as cash flow analysis, retirement strategies, investment analysis, estate planning, tax strategies, debt management, and more. Once we've identified the options that best support you, we assist in crafting a plan that evolves over time, updated annually – or whenever life throws a curveball your way.
Our Financial Planning services are for families with ongoing household income of $400k+ or net worth of $2M+, and for individuals who are aligned with our client engagement standards.
Upon completion of phase one onboarding, we conduct meetings every 2-4 months, covering various financial planning topics aligned with your goals. We provide you with information to review in advance and utilize the meetings to educate you, address your questions, and initiate the tactical implementation of your financial plan. For a more detailed understanding of our process, schedule a discovery call below.
As a Financial Planning client, you will receive ongoing accountability, task management, education, and advice on all financial planning topics, ensuring your financial plan remains aligned with the life you envision.
We offer customized flat fees based on net worth and complexity. Our Financial Planning offerings start at $12,500/year and include the first $1M of assets under management. Business owners and families with complex needs start at $15,000/year.
Our ongoing investment Management service is designed to provide individuals and families with the convenience of having accounts at our custodian while we take charge of managing the trading and transactions related to their accounts. We believe that the plan informs the investments, not the other way around. Our investment management services offer more than just portfolio oversight. By entrusting us with your investment management needs, you gain access to tailored, low-cost, and sustainable portfolios, as well as comprehensive financial planning.
We think the best way to get a good night’s sleep is to thoroughly evaluate your goals, then commit to and execute a simple, well-thought-out investment plan that you can understand. We’ll be with you every step of the way.
Our Investment Management offering is for clients who have completed our onboarding process. For most clients, that means going through our initial comprehensive financial plan. For select households with simple finances, we offer a streamlined onboarding process that starts at $1,750-2,500+ for individuals and $2,500-$3,250 for couples. After onboarding, we manage assets at Altruist (typical minimum of $250,000) using our assets under management fee schedule.
We design, implement and manage the trading and money movements to and from your accounts, ensuring the seamless execution of your investment plan based on your risk tolerance and goals.
We also manage the cash in your Altruist accounts so that you always have what you need for short-term expenses.
We offer customized flat fees based on net worth and complexity. Individuals & families with ongoing financial complexity start at $12,500/year and business owners or families with more needs start at $15,000/year. Annual fees include ongoing investment management and ongoing comprehensive financial planning. Annual fees can be paid either from monthly cash flow or managed investment accounts. We meet at least 2-3x/year after onboarding and cover a broad range of financial topics.
Simple households with less than $1,000,000 in invested assets can access our investment management only services, where we primarily focus on proper investment allocations, cash management, and tax-efficient contributions & distributions. Our minimum annual fee for this service is $3,600/year. Fees are deducted from investment accounts quarterly.
For example: a household with $350,000 in assets managed has an annual fee of approximately $4,500 (=$1,125/quarter), or 1.5%.
Additional details can be found in our ADV in Part 2A, item 5.
