Service Packages

Initial Review, Analysis and Plan:

This engagement is limited in scope to Button Financial's standard service of a 3-4 hour initial data gathering and consultation meeting which takes a look at your financial plan as it is. It includes a comprehensive verbal and written summary of what you are doing right, what you can improve, and what to do next in the areas of cash management, risk management, tax planning, investment management and estate planning. The flat fee, for this service is $720 ($900 for unmarried couples).

Investment Policy Statement:

Many who believe they are delegating their investment management are actually abdicating too much responsibility. Together, we design a written investment policy statement (IPS). The process includes enough education for you to learn what you must know to make the decisions which should be made by you and no one else. The end product is designed appropriately for your individual circumstances, needs, goals, risk, investment experience and time horizon. Driven by your life's direction, it includes an asset allocation model, investment and tax strategies, performance review criteria and economic assumptions. The IPS acts like a job description for your money manager, whether it is Button Financial, you, your spouse or broker. The fee to create the IPS is hourly. Plan on a minimum of three meetings

Investment Management/Financial Planning Retainer:

You have a written Investment Policy Statement (IPS) that calls for you to hire an investment manager. And, you would like your investments to be coordinated with the rest of your financial life. This includes: an analysis of your current investment condition, goals and objectives, and coordination with your IPS; ongoing management (non-discretionary, meaning YOU make the decisions) of your investments; retirement projections, cash management, insurance and tax planning, unlimited communication to talk about your financial decisions and life plans (rather than watching the clock, we are being in relationship with you and your money). You will receive two to four written reports per year on the status of your investment portfolio including time-weighted and dollar weighted (IRR) rates of return reporting. The retainer fee for this service is based initially on a percentage of total investment assets, and is renegotiated every one to five years along with a major five year financial planning review.

Investment Transactions:

You have your first sum of money for which you need to make investment decisions. Either you don't want to learn what it takes, or the task has become too overwhelming. For a $10,000 gift, or larger sums from an inheritance; these sums do not warrant full time management, but can be invested and held for the long term with little attention, not requiring on-going management. This is an appropriate service if you need specific investments identified and want objective advice. A percentage of the amount to be invested is the fee to select, purchase appropriate investments, and provide counsel concerning those investments for 12 months.