Services

Indie Financial Planning builds holistic financial plans for our clients. Holistic financial planning is designed to help you create a plan that covers the individual parts of your financial life while ensuring that they all work together. We want to put you in a position to achieve your goals that is realistic for you.

Financial Planning and Investment Management are relationships based on trust. We begin with a “get-to-know-you” meeting where we discuss your motivation in pursuing financial planning and your most pressing financial concerns.  This meeting gives you a chance to see if IFP is a good fit for your needs and for us to consider what type of planning best suits your needs.

After our meeting, we provide you with a written proposal that outlines the key elements of your plan and what the cost to you will be.

These are some options for working with Indie Financial Planning:

INVESTMENT MANAGEMENT

When you want to focus your time and energy on the things that matter to you instead of researching investment options and reallocating your accounts, we can help. We take the emotion and stress out of investing.

We use a financial plan based on your situation and goals to build an individualized investment strategy. We define your risk tolerance based on your priorities and timeline of your goals. We will tailor a mix of investments that suit your individual situation. Indie Financial Planning will monitor your accounts, invest new savings, and reallocate funds as needed to keep you on track.

1% of assets under management up to $1,000,000 with breakpoints thereafter
Assets over $125,000 receive comprehensive financial planning

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Some key factors involved in building your investment portfolio:

  • Big Picture: We will take a look at all of your accounts including your employer plan, plans from old jobs sitting around, various IRA or Roth IRA Accounts and any other savings and investment accounts. We will help you look at everything together and possibly consolidate or simplify your assets which will hopefully save you some time tracking all the pieces.
  • Match Investments with your Goals: We look at your short and long term needs for your funds combined with your risk comfort level to build your asset allocation. Not only do we identify the right funds for your accounts but we consider which accounts should best hold which funds to allow for ideal tax management and needed liquidity. While we only charge on managed accounts, we will always review your entire portfolio to ensure appropriate risk and cash management across all accounts.
  • Diversification with high quality, low cost funds: We use a mix of funds [including sustainable funds where desired] that are diversified across various investment asset classes. Your portfolio is rebalanced periodically throughout the year and new savings are invested in a manner fitting your ideal allocation.
  • Coordination of savings or spending depending on the need: If you change jobs and need to roll over an employer plan, we will facilitate that shift. When you find the perfect home, we will review your accounts to find the best way to get you the funds you need. As life goes on and your goals or needs change, we can make changes to where you are holding assets, how they are held and when you might need them to fit your needs.
  • Asset Location & Tax Efficiency: We answer the question of what should go into your Roth account versus your 401(k) IRA versus your brokerage accounts.

We manage funds through accounts held at TD Ameritrade and [soon] Charles Schwab. You will have access to view your funds and see their performance over time. Investment management includes having Indie Financial Planning on call for any questions or concerns about your financial plan including reviews of assets held outside of IFP [cash, employer plans, 529 Plans or other funds you maintain control over].

We can manage personal investment accounts or Trusts, IRAs (traditional, rollover or Roth), or personal retirement plans such as a SEP or SIMPLE for your business.

Our fees are calculated at the beginning of each quarter (1/1, 4/1, 7/1, 10/1) based on total account balance at that time. Fees are charged in advance at the start of each quarter and taken from your account[s].

Managed Assets Annual Fees
$0 – $1,000,000 1.00%
$1,000,001 – $2,000,000 .75%
Above $2,000,000 .50%

Indie Financial Planning does not have account minimums to work with us. Managed assets over $125,000 include ongoing financial planning services at no additional cost.

Customized Financial Plan

Perfect for people who want a complete overview of their financial situation – from cash flow to goal setting to investment advice – in order to get an idea of where you stand and what steps you might need to take to better reach your goals.

Most financial decisions are not simple. Whether it’s “how much do I need to retire” or “can I afford to buy a house”, these questions don’t exist in a vacuum. The answer depends on a variety of things from how much you spend each month to your current tax bracket.

Between $1,500 and $3,000 depending on complexity.
[7.5 – 15 hours based on $200/hour fee]

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Together we work to create a road map for you to follow. Since every situation is unique, we work to create a plan focused on the areas of planning most relevant to your needs.

Potential areas of focus:

  • Definition of goals
  • Budgeting and cash flow
  • Target income and savings to help you reach your goals.
  • Debt management
  • Review of your employer benefit plans
  • Review your accounts and holdings
  • Create a spending and saving structure to help you reach your goals
  • Investment advice
  • Tax planning
  • Retirement planning
  • Insurance needs/review
  • Estate planning

Includes:

  • 30-60 minute introductory meeting
  • Comprehensive review of financial situation with focus on your goals
  • Full written plan with recommendations
  • Meeting to review your plan and outline up to 3 alternative scenarios
  • Personalized spending and savings structure
  • Access to planning software to allow you to play with some of the numbers
  • Follow-up meeting to review plan and start your implementation process

START-UP PLAN

Ideal for first timers who need some planning but don’t know where to start. By focusing on your most pressing question, we can reduce some of the noise and outline a few steps to get you moving in the right direction.

$700-$1,000 onetime fee (based on complexity of questions)

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Includes:

  • 30-60 minute introductory meeting
  • Detailed recommendations by email on one or two key questions**
    • (**This is not a comprehensive plan)
  • 30-minute follow-up meeting to review recommendations and work on your next steps.

FINANCIAL PLANNING PARTNERSHIP

When you’re ready to start putting your financial house in order and want a partner to help you create a plan, put it into action and continue to adapt it as life presents new goals.

A Financial Planning Partnership allows us to build a relationship in order to help you make sense of your goals and priorities. From there we can build a solid financial foundation which will grow over time. Rather than trying to tackle everything at once, we will look in-depth at issues individually and step-by-step, get you on financial solid ground.

$750 Upfront fee plus $125-$250 monthly retainer
Based on complexity. Minimum 6-month agreement.

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Areas we can focus on:

  • Definition of goals
  • Budgeting and cash flow
  • Debt management
  • Review of your employer benefit plans
  • Review your accounts and holdings
  • Create a spending and saving structure to help you reach your goals
  • Investment advice
  • Tax planning
  • Retirement planning
  • Insurance needs/review
  • Estate planning

Includes:

  • 30-60 minute introductory meeting
  • Review of your financial situation with a focus on your most pressing issue(s)
  • Personalized spending and saving structure [with anticipated adjustments]
  • Regular [monthly] meetings to continue to update your plan and monitor your progress over time
  • Access to planning software to help you stay on track and monitor your ongoing progress
  • Help establishing savings and investment accounts to support target savings amounts.
  • Investment recommendations
  • Ongoing interaction via email with regular meetings as needed

After you get your proposal from IFP, you can review the proposal and decide if you’d like to move forward with your plan.  If you do, IFP will provide you with an initial questionnaire [secure, online] and a link to a shared folder where we are able to securely share information that is better not emailed.

We use a variety of technical tools to help create your plan, review your taxes [if needed] and create your recommended investment allocation. As we review and update your plan, you will have access to the planning software to track your progress.

We continue to work with new technologies when they help us provide our clients with better communication and services.  Ultimately, it is our personal relationship that we hope provides the most value to our clients. Our primary goal is to give you to tools and education to feel confident in your financial decisions and ability to reach your goals.

Ready to get started?

Schedule a Meeting