Our standalone Financial Planning & Advising services are designed to meet the needs of the following clients:
- Clients who wish to manage their own investments or;
- Clients who wish to only utilize a limited amount of our Financial Planning & Advising services in conjunction with our Investment Management Service.
For those who are comfortable handling the majority of the annual tasks that are associated with efficiently managing their overall portfolio, coupling our Planning & Advising services with our low-cost Investment Management service can save thousands each year on overall fees, without neglecting essential tasks that are necessary to ensure your wealth is being managed properly. We are more than happy to work with you on a customized basis.
Our planning & advising fees are based on a rate of $150 per hour. For some simple, or fairly common plans, we may have a packaged price. However, we generally prefer to discuss with you exactly what your needs are and what services we will provide. That will allow us to price our services more accurately to ensure that you are not overpaying.
Most Common Services
Our services are not just about planning. While planning is important, it is the doing that matters the most. Some of our available services are designed to assist clients in the “doing” part of Wealth Management. It all comes down to the fact that there are a number of things that must be done in order to properly manage your finances. Examples include (but not limited to) establishing an Investment Policy Statement, re-balancing your portfolio, managing 401(k) accounts, tax planning, insurance planning & reviewing, goal planning & monitoring, tax-loss harvesting, capital gains planning, debt management, cash flow management, and asset location planning, employer benefit reviews, estate planning.
Failure to address any of the applicable “Must-Do’s” will likely result in lost wealth. Most likely this is through paying higher taxes than you should have or paying additional fees. In many of these cases (especially when it comes to taxes), you would be better off to delegate someone else to proactively manage the responsibilities rather than let them go unchecked.
We are more than happy to help you decide what tasks you should delegate and what tasks you can and should do your self. We help our client’s make that decision by evaluating their time & skills to perform the work themselves and their individual cost of time. Our promise to you is that we will always put your best interest first, even above our own.
| Tax Planning | Investments | Cash Flow / Insurance | Other |
| General Tax Planning | 401(k) Management | Cash Flow Allocations Review | Charitable Planning |
| Capital Gains Planning | Risk Management | Debt Management | Real Estate Planning & Review |
| Tax-Loss Harvesting | Total Portfolio Re-balancing | Employer Benefits Review | Education Planning |
| Tax-Diversification | Retirement Planning | Home/Auto/Life Insurance Reviews | |
| Tax Return Review | Risk Management | Long-Term Care Planning | |
| Tax Withholding Review | Asset Location | Other Insurance Strategies (if needed) |
Goal & Purpose Planning
Much of what you want out of life can be accomplished and chances are it’s easier than you think, if you plan efficiently. That’s why we at VCM, are so passionate about our Goal & Purpose Planning. We want to assist you in accomplishing what you want out of life.
With our “No Stone Left Unturned” approach, we will create the best possible plan for you. One that is designed to get you to your goals faster and leave you better prepared for life’s uncertainties.
Below are the most popular Financial Plans: