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Subscription Based Financial Planning

What Is Subscription-Based Financial Planning?

When you work with a traditional financial planner, they typically receive fees based on AUM (Assets Under Management). Fees can be a percentage of the assets they manage for you or they can be flat rates. Subscription-based financial planning uses a different approach. Instead of paying a large one-time fee for a financial plan or an annual fee for managing your portfolio, the fees are segmented so you can pay for what you want.

The monthly subscription option allows you to have access to a financial expert, even if you don’t have sizable sums of money to invest. There’s a subscription plan for everyone, and we can adjust it to meet your specific needs. When you’re ready for additional services, you can scale up as needed. In the meantime, we will help you with your specific financial needs so you can pursue your life goals.

Why Choose Subscription-Based Financial Planners

With a subscription-based financial plan, we can earn your trust. You don’t have to commit to spending a large amount of money upfront, which is helpful when you’re new to financial planning. The recurring subscription option also allows us to customize our financial strategy to your specific needs. Maybe this month you really need to focus on reviewing your life insurance and next month you want to review your will. 

You don’t need assets to invest before meeting with our financial planners. We can help you with your financial planning needs and provide you with the services you need right now. We can increase or decrease the services you receive as needed. When you’re ready to set up investment accounts, we’re ready to help you with that, too.

Services - Subscription-Based Financial Planning

  • Protection analysis - We review the following:

      • Auto Insurance
      • Homeowners insurance
      • Umbrella insurance
      • Articles insurance
      • Personal Long Term Disability
      • Group Long Term Disability
      • Long-Term Care
      • Health Insurance
      • Wills
      • Trusts
      • Living Will
      • Durable Power of Attorney
      • Health Care Power of Attorney
      • Personal Life Insurance
      • Group Life Insurance

  • Managing Cash Flow - We make sure your hard-earned money is being put to the highest and best use while also teaching clients how to become world-class savers.

      • Banking accounts
      • Brokerage accounts
      • Annuities
      • Retirement accounts
      • Pension plans
      • Real estate
      • Mortgages
      • Student/Auto/CC debt
      • Tax returns
      • Monthly cash flow summary
      • Social security
      • Employee benefits

Examples of Financial Planning

Financial planning involves taking a comprehensive approach to your finances. We want to help you protect your assets and reach your goals. A financial plan starts by reviewing the basics, which includes your insurance coverage and your will. We also want you to understand your complete financial situation. From there, we’ll create a plan for your future.

Whether you’re trying to pay off debt, save up for a new home, plan for retirement, or minimize your taxes, we can help you manage your cash flow. We’ll help you find out when you should apply for Social Security and if a will or a trust is the better option for you. We make sure your hard-earned money is being put to the best use while you continue saving up toward your goals. 

The decisions you make about your money, your savings, and your investments can help you live your best life and achieve your goals. Our financial advisors are with you every step of the way.

Our Pricing:

Investment Advisory Fees

Assets Under ManagementFee
$10,000 - $250,0000.75%
$250,001 - $500,0000.72%
$500,001 - $1,000,0000.69%
$1,000,001 - $2,500,0000.66%
$2,500,000 +0.63%

Financial Planning Fees

Year 1

1% on HH income ($1200 minimum - $2500 maximum)

Year 2Updated to match income as complexity allows

**Services are subject to change upon cancellation of Financial Planning Engagement**

FAQs about Subscription-Based Financial Planning

Do You Need Money to Invest?

Many financial advisors only manage portfolios of certain values and charge a percentage for their services. With subscription-based financial planning, you don’t need to have assets to invest. When you subscribe to our financial planning services, we will help you with your financial decisions, even when you’re just starting out.

What’s the Benefit of Subscription-Based Financial Planning?

With subscription-based financial planning, you don’t have to commit to paying a large sum upfront. An affordable monthly service fee makes it easier to get started and build a relationship with our financial advisors. The monthly subscription also ensures that you continue to pay attention to your finances regularly instead of once a year. And when you have a question, we’re here for you.

Who Should Work with a Financial Advisor?

Most people can benefit from working with a financial advisor. Unless you have specialized training in finance or insurance, you need an expert to help you make sense of the financial products and services available to you. We can help you manage your cash flow and pursue your financial goals.

Subscribe to an Affordable Financial Planning Service

Don’t wait to prioritize your financial well-being. Our financial advisors are ready to help you get started by reviewing your current financial situation, your insurance coverage, and your goals. We’ll manage your cash flow to increase your savings by optimizing your investments, taxes, and income sources. Call us today to schedule an appointment or use the contact form on our website to get in touch.

Disclosure:  Neither Guardian nor its subsidiaries issue Automobile Insurance, Homeowners Insurance, Umbrella Insurance, Articles Insurance and Health Insurance. World Class saver is a Person who saves at least 15 to 20% of gross income.