What is your fee structure?

Total Benefits Planning is a fee-based advisory firm. We do not currently offer asset management. We charge a financial planning fee with a monthly subscription for our ongoing services. We do offer insurance products, which by their nature, may carry commissions. 

How do I know my reports are accurate?

We do not have direct custody of your accounts, and all our information is based on what you provide to us.

I consider myself to be financially savvy. Do I need a financial advisor?

Do you know that even high net-worth individuals often hire the assistance of a financial professional? These highly successful and disciplined people know that accountability is a key to success. However, many people with the knowledge and experience to manage their own assets will procrastinate when it’s time to make a decision. Often their own needs take a back seat to jobs or family. We seek to add value, not only by helping you develop a plan, but also by implementing and adjusting it when necessary. Our knowledge and accountability as a financial advisor can help you take the necessary actions to meet your goals.

Can I use just one of your services?

Yes. However, our holistic planning firm is best utilized after consultation on our three services – wealth, risk, and debt management.

We offer solutions using a consultative approach, with the goal of simplifying your financial life. Typically, we have found that coordinating a client’s financial planning, estate, insurance, and investment portfolios is the best path to achieving this goal. While the majority of high net worth clients seek all these services, we are able to unbundle these services to meet your individual needs.

What is a fiduciary?

Under the Employee Retirement Income Security Act (ERISA), a fiduciary is any person, company, or association that renders investment advice for a fee or other compensation with respect to the funds or property of a plan, or who has the authority to do so. A fiduciary exercises discretionary authority or control over the management of a plan or the management of the disposition of its assets, or has the discretionary authority or responsibility in administering a plan. Importantly, a fiduciary is bound to always act in the best interests of the client.