Services & Fees – Ruffalo Wealth Management

Fees & Services

Financial Planning Fees

Open ended meeting to ask questions. No detailed analysis is performed. We provide advice based on your situation.

Fundamental Planning

This is an in-depth review of your financial situation with custom tailored advice.

Equity Compensated Executive Planning

The same deliverables and attention to detail as our fundamental financial planning service, however; if you fall in this category your planning needs have grown more complex.

Fee Based Asset Management

See our Fee Based Asset Management Schedule for the current year

Fees

Financial Planning fees

Hourly Advice $200.00/HR

Open ended meeting to ask questions. No detailed analysis is performed. We provide advice based on your situation. This could be a good option for someone to leverage the experience of a CERTIFIED FINANCIAL PLANNER(TM) Practitioner as a sounding board on a specific issue(s). This is not a good option for a question like, ”Do I have enough saved to retire” where a detailed analysis would need to be performed.

Example of common topics discussed

Explanation in difference of employer benefits
Understanding of how investment returns are generated
Review of 401k asset allocation
Income tax reduction strategies
Small business retirement plan consulting
Explanation of different types of IRAs
Personal budgeting
Explanation of the different types of life insurance

Fundamental Planning $2,500

This is an in-depth review of your financial situation with custom tailored advice. We calculate retirement projections based on your specific position, coach you through how to properly create reasonable assumptions for the future, calculate college funding, perform life insurance needs analysis, construct your balance sheet, review employer benefits options, review investments. You receive a custom executive summary along with detailed projections & reports.

Detailed retirement plan projections & distribution planning
Review of tax return
Investment analysis
College planning
Life insurance review
Review of employer benefits
Create a consolidated view of your financial world

Equity Compensated Executive Planning $2,500-$5,000

The same deliverables and attention to detail as our fundamental financial planning service, however; if you fall in this category your planning needs have grown more complex, as the financial instruments you own have become more complex—like trusts, Stock options, restricted stock units, deferred compensation plans, multi-generational beneficiary planning, annuities, trust owned life insurance, and charitable gifting strategies.

Restricted Stock Unit (RSU) liquidation & income tax planning
Equity Grant Exercise, liquidation & income tax planning
Concentrated equity disposition planning
401(k) Net Unrealized Appreciation tax planning
Highly Compensated Employee (HCE) 401k planning
Employer Stock Purchase Plan (ESPP) accumulation/distribution planning
Trust planning with Attorney engagement
NQ Deferred compensation accumulation/distribution planning
Trust owned life insurance planning & execution

Services your annual asset fee pays for:

Portfolio construction using both active and passive investments
Year end tax loss harvesting
Individual equity and or bond selection if account is +$1,000,000 or an additional .25%
Covered call option writing for income if account +$1,000,000 or an additional +.25%
Protective put buying if account +$1,000,000 or an additional +.25%
Quarterly rebalancing, if needed
Internal planning reviews of your situation
Annual account reviews
Detailed performance reporting
Discretionary asset management
Online account access