Services
How We Can Work Together
Every client we work with has different needs and it is important to address them as regularly as possible to ensure the service we provide is top-notch. Different products and plans require more frequent regulation and meetings to discuss how we can improve upon the plan we set into action.
Below is a menu of the different levels of service and how we can work together to work toward and hopefully exceed all your expectations.
Transactional
Includes any of the following as needed:
- Brokerage
- Life insurance
- Disability insurance
- Long term care insurance
- Annuities
No consultation fee. Commissions earned on product & investment transactions.
Asset Management
Includes the following:
- Risk Tolerance assessment
- Asset Allocation Analysis
- Current Security Positions Analysis (if any)
- Asset Goals and Objectives Analysis
- Periodic Rebalancing
- Ongoing Advice & Oversight
- Quarterly Account Reviews
Advisory Fee Scale:
ETF/MF Portfolios:
$10,000-$49,999 – 1.3%
$50,000-$499,999 – 1.2%
$500,000-$749,999 – 1.0%
$750,000-$999,999 – 0.95%
$1M-$2.5M – 0.75% - 0.90%
$2.5-$5M – 0.65% - 0.85%
Stock Only Models:
$250,000-$999,999 – 1%
$1M-$2.5M – 0.90% - 0.95%
$2.5M-$5M – 0.80% - 0.90%
No consultation fee. Direct or Wrap Advisory Fees assessed for management of assets.
Focused Planning
Includes a focused plan for one to two of the following areas:
- Net worth and cash flow
- Investment planning & asset allocation
- Debt payoff planning
- Risk management
- Tax Strategies
- Retirement planning
- Estate planning strategies
- Education planning
- Business Planning
- Participant Consulting Advice
- Program (PCAP)
Consultation fee for financial planning when needed. Commissions / Management Fees earned on products & investment transactions.
Comprehensive Planning
Ongoing relationship based, comprehensive planning. Includes a detailed personalized presentation of your current financial situation and alternatives, as well as personalized recommendations as applicable to your individual situation. The areas of review within the plan may include, where appropriate, a detailed analysis of the following:
- Current financial situation (net worth, detailed assets and liabilities listings) coupled with a roadmap to future situation in line with goals
- Investment planning
- Cash flow planning
- Protection Planning
- Education Planning,
- Retirement Planning
- Estate planning strategies
- Tax planning strategies
- Business planning
For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.
mike@dracoulisfinancialgroup.com | (804) 398-3424