What We Do
Life with Perspective is… relaxing.
We focus on your finances, so you can focus on other important things.
Like family, career, home, hobbies, travel… your life.
Through our Core Client Services, we provide four broad categories of ongoing support. Each is designed to meet the needs of clients and potential clients in distinct phases of life. All our services are personalized to each individual client.

Pacesetter → n
1. one who is successful, a leader;
2. invests early, maintains a long-term perspective

Foundation Builder → n
1. one who is disciplined, insightful;
2. plans wisely, achieves goals, realizes dreams

Income Director → n
1. one who is independent, free to flourish;
2. maximizes assets, enjoys new possibilities

Legacy Creator → n
1. one who is mindful, strategic;
2. knows preserving wealth is more important than ever
Core Client Services
Pacesetter
Pacesetter → n 1. One Who Is Successful, A Leader; 2. Invests Early, Maintains A Long-Term Perspective
Who: Individuals or families with investable assets less than $400,000; you realize the positive long-term impact of action and consistency. You know a documented plan is key to success.
Services: Investment Management with a high quality self-service planning platform; additional optional services include:
- Discretionary Investment Management based on an Investment Policy Statement (IPS) created with and for you
- Access to secure client portal, which includes electronic investment reports with optional do-it-yourself e-Planning
- Account aggregation tool that provides easy-to-understand consolidated view of all finances
- Electronic quarterly reports
- Initial and annual consultation is offered and included
Pricing:*
- Platform fee of $40 per month plus
- Asset-Management Fee: 1.10%
- Add-On Services (i.e. financial planning, retirement analysis, insurance review) are available for additional fees. Each is billed separately at $300 per hour or a
- pre-arranged flat fee, from $300 – $6,000 depending upon client needs.
Foundation Builder
Foundation Builder → n 1. one who is disciplined, insightful; 2. plans wisely, achieves goals, realizes dreams
Who: Individuals or families with investable assets in excess of $400,000 or net worth greater than $750,000
You know carefully-considered decisions can keep you on track for retirement. You’ve mastered money management principles. Now you’re operating at full speed and not ready to slow down.
Services: Investment Management and Personal Financial Planning includes the services offered in the Pacesetter plan and the following optional services:
- Advisor-led collaborative creation of a Personal Financial Plan
- Annual monitoring of plan progress
- Option for new plan every three years
- No-commission insurance analysis
- Review of employer retirement accounts
- Optional hard-copy quarterly reports
Pricing:*
- Asset-Management Tiered Fees:
- 1.10% on first $500,000 plus
- 0.90% on next $500,000 plus
- 0.85% on next $1M plus
- 0.75% on next $1M
- Management fees on assets exceeding $3M are negotiable.
- Minimum fee of $1,000 quarterly
Income Director
Income Director → n 1. one who is independent, free to flourish; 2. maximizes assets, enjoys new possibilities
Who: Retirees or those nearing retirement
You want to make the most of what you’ve built, so you can focus on the better parts of retirement life. You recognize your near-term goals are changing and need a different approach.
Services: Investment Management and Personal Retirement Planning includes the services offered in the Wealth Builder plan and the following optional services:
- Creation of an income strategy
- Evaluation of pension options
- Planning for retirement account distribution
- Strategizing social security options
- Review of Medicare choices
- Cost-planning for long-term care
- Estate Planning
- Meeting with power of attorney or successor trustee offered
Pricing:*
- Asset-Management Tiered Fees:
- 1.10% on first $500,000 plus
- 0.90% on next $500,000 plus
- 0.85% on next $1M plus
- 0.75% on next $1M
- Management fees on assets exceeding $3M are negotiable.
- Minimum fee of $1,000 quarterly
Legacy Creator
Legacy Creator → n 1. one who is mindful, strategic; 2. knows preserving wealth is more important than ever
Who: Individuals or families with investable assets in excess of $1.25 M or net worth greater than $2 M
You’ve achieved quite a bit in life and want to preserve what you’ve built. That requires strategic planning for your estate, taxes, retirement, long-term care and more. It also enables you to consider your impact on the people and issues most important to you.
Services: Wealth Management, Personal and Retirement Planning includes the services offered in the Wealth Builder plan and the following optional services:
- Unlimited advisor meetings
- Unlimited updates to your plan
- Ongoing coordination with your other professional providers (i.e. CPA, attorney, pension consultant, etc.)
- Family meetings offered
- Waiver of Platform Fee for family
Pricing:*
- Asset-Management Tiered Fees:
- 1.00% on first $1M plus
- 0.85% on next $1M plus
- 0.75% on next $1M
- Management fees on assets exceeding $3M are negotiable.
- Minimum fee of $3,000 quarterly
*Annualized fees are calculated and deducted quarterly for our Core Client Services.
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