Greenwood's Planning Fee Levels

You might fit in this category if:

• You have under ten years in the workforce
• You have been wondering how and where to save
• You are balancing paying off debt with retirement savings and future purchases
• You are beginning to think about tax planning
• You want to understand the investment opportunities available to you
• You need cash flow management and budgeting strategies
• You want objective advice on basic insurance coverage and estate design
• You want to build a framework for making financial decisions.

What you receive:

Our Next Gen program is flexible, designed to fit your specific situation. You may need detailed advice on tax planning and savings strategies, or you may just want to sit down with a professional to learn about budgeting strategies and retirement savings vehicles. Whatever your situation, you will receive objective advice from a peer who is supported by an experienced team with access to the best resources in the industry.

You might fit in this category if:

• You would benefit from a detailed cash flow and net worth projection;
• You are considering the timing of retirement/financial independence;
• You need to be more proactive in your tax planning;
• You have accumulated savings in 401(k) and/or IRA accounts;
• You might be considering college planning for young children;
• You are seeking objective advice about basic insurance coverage and estate design;
• You want to build a framework for making financial decisions.

 What you receive:

This is an in-depth review of your financial situation with advice tailored to you. We complete an analysis based on the service areas that the client requests. We then provide a detailed report that typically includes a cash flow/net worth projection, specific financial planning recommendations and personalized investment advice. Meeting is billed at actual time involved. You graduate into the higher levels based on amount of complexity involved in your situation.

You might fit in this category if:

• You have the characteristics of level 1 to a more complex degree;
• You are established in your career or are nearing retirement;
• You seek advice on pre-retirement decisions;
• You may have existing insurance policies or estate documents;
• You may have received an inheritance or other windfall;
• You have accumulated a moderate level of investments.

What you receive:

This is an in-depth review of your financial situation with advice tailored to you. We complete an analysis based on the service areas that the client requests. We then provide a detailed report that typically includes a cash flow/net worth projection, specific financial planning recommendations and personalized investment advice. Meeting is billed at actual time involved. You graduate into the higher levels based on amount of complexity involved in your situation.

You might fit in this category if:

• You have the characteristics of level 2 to a more complex degree;
• You are established in your career or approaching retirement;
• You seek advice on pre-retirement decisions;
• You may have existing insurance policies or estate documents;
• You may have received an inheritance or other windfall;
• You have accumulated a moderate level of investments.
• You may have complex liabilities/debts

What you receive:

This is an in-depth review of your financial situation with advice tailored to you. We complete an analysis based on the service areas that the client requests. We then provide a detailed report that typically includes a cash flow/net worth projection, specific financial planning recommendations and personalized investment advice. Meeting is billed at actual time involved. You graduate into the higher levels based on amount of complexity involved in your situation.

You might fit in this category if:

• You have the characteristics of level 3 to a more complex degree;
• You have a complex tax return
  
• You have multiple sources of compensation;
• Stock options or restricted stocks make up an appreciable percentage of your net worth;
• You have participated in deferred compensations for several years and have multiple elections;
• You are the primary owner of a business that has multiple employees.

What you receive:

This is an in-depth review of your financial situation with advice tailored to you. We complete an analysis based on the service areas that the client requests. We then provide a detailed report that typically includes a cash flow/net worth projection, specific financial planning recommendations and personalized investment advice. Meeting is billed at actual time involved. You graduate into the higher levels based on amount of complexity involved in your situation.

You might fit in this category if:

• You have a highly complex overall financial situation, or have one particularly complex service area;
• You have characteristics of level 4 but to a more complex degree;
• You have multiple levels of income or are a business owner;
• You have sophisticated investments;
• You own complicated insurance policies;
• You have a large estate.

What you receive:

We may either provide a detailed analysis on all the service areas, or else hourly ongoing financial advice on only one complicated service area.  We assist clients in areas such as working through large estates, reviewing complicated insurance policies, advising on small businesses or partnerships, and/or other complex topics as needed.