At Affiance Financial, we take a broad approach to Financial Planning. We help identify your priorities and define your goals. Education. Housing. Career. Children. Retirement savings. Risk management. There are so many decisions that affect your finances—and your quality of life. We can help you think them through. We can present you with options you might not think of on your own. And we can help you make decisions that are right for you.
- Affiance Financial charges a fixed fee for financial planning services, which typically falls between $500 and $15,000 per plan. The total fee is based on the complexity of the plan and the time required for providing the services. Fees are invoiced to the client and payable upon delivery of the service.
We can’t promise to beat the market. What we can do, is provide a disciplined investment strategy intended to help you achieve your goals. We strive to make the most of your portfolio by focusing on mitigating risk. And, we endeavor to select the best asset locations to maximize your after tax returns. Finally, we remain vigilant of market activity and how it is affecting your portfolio.
- Our investment process is most effective with accounts of $500,000 or more.
- Our fees are negotiable for Investment Advisory Services, but generally will follow the following fee schedules:
- Affiance Financial charges annual asset-based fees for Investment Advisory Services based on the following blended fee schedule:
|Assets Under Management||Annual Fee|
|$0 - $500,000||1.50%|
|$ 500,001 - $1,000,000||1.25%|
|$1,000,001 - $2,500,000||1.10%|
|$2,500,001 - $5,000,000||1.00%|
|Accounts over $5,000,000||0.85%|
Thorough planning can help protect you from the unplanned. Insurance is a financial safety net. We can’t replace a loved one who has died or repair skills lost to a disease. But, we can help reduce the financial impact of these events. We offer life, disability, long-term care, and critical illness policies and can design an insurance portfolio customized to your needs. And when the time comes, we can help you or your loved ones process any necessary claims. We’re with you, every step of the way.
The sooner you begin to prepare for retirement, the better. And we can help. We can provide guidance for navigating the often complicated world of social security, medicare, pensions, IRAs, 401(k)s, and other retirement concerns. We work with you to estimate your future assets, as well as your future expenses. By comparing the two, we can track your retirement preparedness and encourage you stay on target to enjoy your golden years.
Business planning decisions can have a major impact on your personal finances. We can help coordinate the two so that you are balancing the needs of your customers, your employees, and yourself. Key to our business planning services are helping you choose the right employee benefits, addressing your insurance concerns, and setting up retirement plans. In addition, we offer guidance in the area of succession planning. By considering the needs of the generation leaving the business as well as the generation coming up behind, we can help create a plan that will help your business live on—to the benefit of all.
Once you are confident in meeting your financial goals, it’s time to start thinking about your legacy. We can help you define your estate and legacy desires and present options for making the most impact. This includes creating strategies to minimize estate shrinkage, facilitating family meetings to communicate your plan, coordinating with an attorney to complete the necessary legal work, and assisting with the administration of your estate upon your death. In short, we can help you leave a legacy for your family, friends, and community that is truly meaningful.
We work to make lives better. And we know that many of you do, too. We can help. We can suggest strategies to make the most your generosity. By helping you select a charity that is aligned with your values and goals, concentrate your charitable activities, and select the best assets and forms of contribution, we can help maximize the impact of your charitable giving, while gaining the most tax benefit.