The Holistic Financial Planning Approach
In our opinion, most people do not need a full-time investment manager, yet that is often all they get when they hire a financial advisor. We recommend a one-stop solution to cover more than just your investments.
Read the ACP white paper on Holistic Financial Planning here.
Who We Work With
The Team
Rachel Tufano
Operations Manager/Partner
Mark C. Bowes CFP® EA
Senior Advisor / Partner / Business Development
Jim Davis CFP® EA
Senior Advisor / Partner / Chief Compliance Officer
Jo Anne Paynter
Retired / Founder
Robert Roy Reed
Retired / Advisor Emeritus / Ph.D.
FAQs
Do you have investment minimums?
No, we have partnered with clients who are just getting started out as well as those who have accumulated a sizeable nest egg.
Will I need to move my accounts?
For some advisors, you have to move accounts to their custodian to receive guidance. Since we charge a flat fee, our guidance covers all your accounts, from savings to HSAs to 401(k)s.
What are your fees?
We charge a flat, annual fee to our clients and are paid in no other way. Fees range from $2,800 to $30,000 per year, depending on net worth and complexity. See our Firm ADV Part II here.
Do you offer services a la carte?
No, we do not. We believe the holistic approach provides significant value to our clients and do not think we can fulfill our fiduciary obligation if we eliminate some of these services.
Do you do one-time engagements?
We do provide a Financial Tuneup to clients on a limited basis. This is a two-hour planning meeting with 30 days of email support thereafter, designed to cover two or three financial topics. The cost for this is $1,500.
How will I be treated?
We strongly believe that, as your advisors, we should be good listeners, polite, patient, and available. We understand you have worked hard for your wealth and that professional financial advice is not cheap. We do not take our role lightly.