A REVIEW PROCESS YOU CAN COUNT ON

Four pre-scheduled client service meetings simplify the process of keeping your financial house in order.

  • Winter: Goal Tracking — Review financial goals and progress

  • Spring: Asset Allocation — Review and update risk tolerance and investment mix

  • Summer: Family Security and Cash Flow — Review cash flow, spending, insurance coverage and estate plan

  • Fall: Tax Planning — Review tax strategies, implications and options to manage tax liabilities

FINANCIAL PLANNING FEES

Commencement Bay Capital LLC offers an integrated, tax-centric approach to wealth management to help you pursue your financial goals. We work with you by providing a high level of service and support throughout the financial planning process.

We have two packages that fit the life transitions that our clients go through:

Pre & Early Retirees

This is an in-depth plan to help you prepare for retirement and other life events with a detailed financial picture.

Includes:

  • Social Security analysis

  • Innovative goal setting and tracking

  • Long-term care analysis – surviving spouse

  • Review of estate planning documents

  • Summary investment planning

  • Summary life insurance review

  • Retirement Income planning

  • Aggregation of assets & risk analysis

  • Partial ROTH conversion planning

  • Tax planning – Business, Rental, Entity

    selection

  • Ongoing strategy modifications

  • Four meetings per calendar year for each on going season

$5,000 annual fee

Succession & Legacy

This plan is for those with complex planning needs, bringing together your entire complex financial picture, multiple investments, life insurance policies, trusts, business succession, etc.

Includes:

  • Social Security strategies

  • Advanced goal setting and tracking

  • Long-term care analysis

  • Complex estate planning evaluation

  • Detailed investment planning

  • Comprehensive life insurance review

  • Retirement income planning

  • Aggregation of assets and risk analysis

  • Trust & gifting strategies

  • Business succession, Buy-Sell agreements

  • Tax planning – Income, Retirement & Estate

  • Ongoing strategy modifications

  • Four meetings per calendar year for each ongoing season

$10,000 annual fee

Managed Advisory Account Fee:

Our fee for managed advisory accounts is based on a percentage of the assets in your account and is set forth in the following annual blended-tiered fee schedule:

Portfolio Increments

$501,000 - $1,000,000

$1,000,001 - $2,000.000

$2,000,001+

Annual Fee Charged

1.75%

1.25%

1.00%

Our annual fee for managed advisory accounts is typically billed and payable quarterly in arrears based on the value of your account on the last business day of the calendar quarter. A minimum investment of $500,000 in total is required to open managed advisory accounts.

TAKE CONTROL OF YOUR RETIREMENT JOURNEY, SCHEDULE A CONSULTATION TODAY

Your Four Yearly Meetings in detail:

Goal Tracking - Winter

  • How am I progressing toward my goals?

  • Do I need to save more, or can I save less?

  • Do I need to change the time frame for my goals?

  • Can I add more goals to my financial life?

  • How much do I have, and where is it invested?

  • What will my cash flow and expenses look like this year?

  • Can I spend more money now?

  • Can I enhance my gifts to children, grandchildren, or to charity?

  • Am I taking too much or too little risk in my investments?

  • Should I restructure my debt?

  • What is the proper amount to have as a reserve for emergencies?

  • What are the risks to my financial life?

Asset Allocation - Spring

  • What is the optimal mix of investments for my situation?

  • How do I change from where my investments are today to where I need to be?

  • How should my retirement plans at work be invested?

  • Are there tax implications to making changes in my portfolio?

  • Is my record-keeping adequate for my investments?

  • Are there different types of investments I should be considering?

Family Security & Cash Flow - Summer

  • Is my cash flow working out as planned, or do I need to re-evaluate my expenses?

  • What would happen if I couldn’t work anymore or became disabled?

  • What is my plan if I need custodial care someday (who, how, where)?

  • Do I have the right amount of life insurance?

  • Is the type of life insurance I have the best for my current situation?

  • What are the risks to my personal property?

  • Am I exposed to lawsuits, and how can I protect my wealth?

  • If I die, would my assets go to the people I want as easily as possible?

  • Do I have an effective power of attorney or will in place?

  • How does my financial situation affect other family members?

  • How do other family financial situations affect me?

  • What should I do with my employee benefits at work?

Tax Planning - Fall

  • Are there decisions I can make before the end of the year that can help manage tax liability?

  • How can I effectively communicate everything about my taxes to my accountant?

  • Should I take gains or losses this year or next?

  • How will potential tax law changes affect my decisions?

  • Am I using my retirement plans correctly?

  • Should I try to accelerate or delay income and expenses?

  • Am I withholding enough, or do I need to make or change an estimated tax payment?

  • Are my investments tax-efficient?

  • What outstanding information will I need to complete my taxes?

Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment losses.

TAKE CONTROL OF YOUR RETIREMENT JOURNEY, SCHEDULE A CONSULTATION TODAY

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THE RETIREMENT INCOME ROADMAP