Bell Financial Planning: Wealth Management - Family Owned and Operated, Fee-Only Financial Planning and Asset Management

Wealth Management

This level of service includes portfolio management integrated with your comprehensive financial plan.

There is more to achieving financial independence than investing. Investing is only one step in the process, a step that frequently receives a disproportionate amount of focus. Even with sufficient investments, failing to have the proper overall allocation, tax considerations, insurance coverage, estate plan or budget could undermine the years of saving that you have put toward your nest egg. To avoid this problem, comprehensive financial planning looks at all areas of your personal finances to grow and protect your financial security.

Your investment portfolio is designed, managed, monitored and updated by investment professionals. Your portfolio is unique to you, just as your lifestyle and goals are unique. Current investments will be individually evaluated to determine whether selling them and reallocating the funds may be in your best interest, considering potential returns, volatility and tax consequences. The effects of concentrated stock positions, private investments, real estate and other major investments are considered in your overall portfolio.

The process begins with us working together to develop a comprehensive financial plan. At this stage, the process is the same as that outlined in the Comprehensive Financial Plan section. Using the results of the financial plan, such as your life goals, risk tolerance, portfolio allocation and assessment of tax issues, we then implement a portfolio designed to meet your individual needs. In addition to portfolio design, we will work together to implement other mutually agreed upon action items recommended in the financial plan.

After the initial design of a financial plan, you will receive ongoing service and support in any financial matter that may arise. You receive regular reports on the progress of your investments. In regular meetings, you�ll see how your investment results impact your retirement, education funding, family legacy and other important financial goals. As your investment objectives and risk tolerance change over time, your portfolio will be adjusted so it continues to match your needs.

Our fee-only compensation ensures you that our interests are closely aligned with yours. There is only one way we can make more money: if your investments grow.

The Wealth Management service includes:

Ongoing Portfolio management.
Quarterly and Year-to-Date performance analysis.
Ongoing financial advice concerning issues in your financial plan.
Assistance consolidating and transferring assets.
Assistance in setting up automatic payments and contributions.
Objective review of current and prospective insurance policies including disability, long-term care and life.
Financial analysis of large item purchases such as real estate and automobiles.
Setting up Educational Savings Accounts.
Education on financial topics.
Analysis of tax impact on investment returns.
Coordination with accountant, attorney, and insurance agent.

...and ongoing advice for financial decisions that arise during the year.

Wealth Management Fee:

This service has two components. "Part 1" includes the design, implementation, ongoing monitoring and updating of a Comprehensive Financial Plan. In the first year of service the fee is based on the design of the Financial Plan. "Part 2" includes implementation of portfolio design and ongoing management.

Important- 50% of any fee charged for a Comprehesive Financial Plan shall be credited toward portfolio management (credit will apply for a maximum of 4 quarters).

Part 1 - Financial Planning

First Year- Comprehensive Financial Plan Design

Varies*

The retainer for subsequent years is charged on a quarterly basis ($625 per quarter).

* The fee for a Comprehensive Financial Plan is calculated at an hourly rate of $150, the minimum fee is $2,500. The total cost will depend on the complexity of the financial plan.

Part 2 - Portfolio Management

The portfolio management fee is based on the assets we manage for you. This is the only fee we receive for investing your portfolio. We do not receive commissions for any investments made on your behalf.

$250,000 to $1,000,000

$1,000,001 to $2,000,000

0.75%

$2,000,001 to $3,000,000

0.50%

$3,000,001 Plus

0.25%

Portfolio management fees shown above are annualized. Fees are charged on a quarterly basis. The minimum quarterly fee is $625.

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