FINANCIAL PLANNING & WEALTH MANAGEMENT
OUR SERVICES
At 1522 Financial, we offer a full range of services to support every aspect of your financial life. Whether you’re focused on retirement, investment management, or securing your legacy, our solutions are designed to meet your unique needs.
Comprehensive Financial Services Tailored to You
Goals Analysis: Understanding your life and financial goals is the cornerstone of our process. Allowing us to provide the best strategic guidance that aligns with your objectives.
Retirement Planning: Crafting a long-term plan ensures you can retire with peace of mind, accounting for income needs, lifestyle, and healthcare.
Risk Management: Helping you protect your wealth by identifying and managing risks and unforeseen events, developing strategies that mitigate financial risks and safeguard your assets.
Estate Planning: We help you develop a plan for passing on your legacy in a way that reflects your wishes, while striving to minimize taxes and reduce legal complexities for your heirs.
Tax Planning: We focus on optimizing your tax strategies while keeping them aligned with your broader financial goals.
Education Planning: Creating strategies to fund education goals for your family and balancing long-term objectives with short-term financial needs.
Investment Planning: We develop and manage a personalized investment strategy based on your financial goals, tax situation, and risk tolerance, focusing on long-term growth and income.
Insurance Planning: Reviewing your insurance needs to protect your financial future and ensure that you and your loved ones are protected from life’s uncertainties.
We use Charles Schwab & Co. as our qualified custodian for clients whose investments we manage. Charles Schwab holds your investments and provides separate statements, which are sent to you regularly. You also have online access to view your assets directly on their platform.
We also offer access to our client portal, which is updated daily. The portal includes a secure document vault for document sharing and provides easy visibility into your investment performance.
Absolutely! While we love sitting down in person with our clients, we understand the need for flexibility. We offer entirely virtual services for clients who prefer it or are located remotely. Through our secure client portal, DocuSign, and virtual meeting tools, we aim to ensure your experience is seamless, no matter the distance. This means you can access our services from the comfort of your home while still receiving the personal attention you deserve. Note that we only work with clients in the United States.
We take an ongoing approach to financial management. We proactively manage and adjust your strategy as your life and goals evolve. This includes:
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Regular check-ins: We set intentional meetings throughout the year to review progress, reassess goals, and make necessary adjustments.
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Continuous monitoring: We track your investments and overall financial health between meetings to ensure everything stays on course.
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Comprehensive support: We interface with other professionals in your financial life (such as your CPA or attorney) to ensure everything works together smoothly.
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Additional Costs
Services from Charles Schwab, such as certain trading fees, may incur extra charges. Also, some of the investments themselves, like mutual funds and exchanged-traded funds, have their own fees. We strive to minimize these costs where possible, and we do not utilize any investments that pay our Firm commissions. -
Fee Transparency
You will receive detailed invoices with each billing, and we regularly benchmark our fees to ensure competitiveness within the industry.
2. Financial Planning Only
For clients not seeking ongoing investment management, we offer flat-fee financial planning starting at $3,500.
At 1522 Financial, we believe in full transparency regarding fees. We offer competitive pricing based on the value of the services we provide. Here’s a detailed breakdown of our fee structure:
1. Ongoing Financial Planning & Investment Management
This service is billed as a blended percentage of the assets we manage for you. The fee adjusts based on the value of your portfolio, aligning our incentives with yours—when your accounts grow, our fees grow, and if they decrease, our fees decrease as well. Financial planning is included here and not charged separately.
Our standard blended fee schedule is shown below:-
We understand you may know several financial advisors, but here’s what sets us apart:
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We focus solely on financial planning and investment management. We do not try to handle every aspect of your financial life. If you need an attorney, a realtor, a tax preparer, or an insurance agent, we don’t attempt to offer those services in-house. We’ll provide suggestions for professionals in those areas if needed.
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We limit the number of clients. As we grow, our goal is to have each financial planner in our office work with no more than 60-75 clients. For comparison, according to “Cerulli Edge – U.S. Asset and Wealth Management Edition” (2022), the average financial advisory practice serves 142 clients per advisor. (https://www.cerulli.com/press-releases/constrained-by-resources-and-time-advisors-need-to-choose-their-clients-wisely). We also cap the number of new client relationships that we onboard each month.
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We work as a team. Our collaborative approach ensures that all resources and expertise are utilized to provide the best service possible.
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We are fiduciaries. “Fiduciary” is a legal concept that means to put our clients’ interests ahead of our own. We do our best to live this out every day. Focusing on our expertise, limiting the number of clients, and working as a team are all part of our guiding directive to be a fiduciary.
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We understand that busy professionals need flexible solutions that adapt to their schedules. Our process is designed with your time in mind:
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We offer virtual meetings and consultations for convenience.
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Our client portal lets you track your investments and view key documents anytime.
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We provide streamlined communication and updates, so you stay informed without unnecessary meetings.
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With our flexible approach, we adjust services to fit your needs, whether comprehensive planning or just a financial check-up.
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