Focused Wealth Stratgies offers four types of services to its clients: Focused Financial Planning, Investment Advisory Services, Financial Life Planning, and Modular Financial Planning services. 

All our services are offered on a fee-only basis.  We accept no sales commissions or referral fees.

Focused Financial Planning:

We offer Focused Financial Planning to clients who don't believe they need comprehensive financial planning or asset management, but who need help with their investments and retirement planning.  

This service option often appeals to "do-it-your-selfers" who have the time and don't mind spending their time doing their own finances and investments.  Investment planning involves portfolio design but does not include ongoing monitoring of the client's portfolio, making trades, or performance reporting.  The client makes all trades and monitors their own investments.

Since we do not actively monitor your portfolio and work with you on an ongoing basis to make tactical asset allocation changes, we design a "buy and hold" portfolio that you can implement on your own.  

You receive a fixed fee quote for these services based on the complexity of the project and whether you need help with any other financial planning areas.  

Investment Advisory Services:

Investment advisory services are available to those who desire ongoing help in managing their investment portfolio and who want ongoing retirement planning.  It gives Clients access to institutional and load waived mutual funds. 

We design "core and explore" portfolios and use tactical allocation.    

The client makes the final decision as to what portfolio strategy we use, how it is implemented, and what stocks and funds we use.  We spend a lot of time educating ongoing Clients as to where we think the economy and stock market are headed and on the risks we see with the alternative investment approaches we present to you.

We provide ongoing retirement accumulation and distribution planning.  Fees are billed based on the amount of assets under management.


 Financial Life Planning Services:

What do we mean by financial life planning?   

It is a type of fee-only comprehensive financial planning that involves a holistic approach to help people use their money to accomplish their life goals.  Performance is measured by the client's success in meeting their life goals.

Financial life planning works best for clients who either don't have the time to manage their finances and investments or who prefer to spend their time doing things they enjoy more.  It also benefits clients who are afraid they won't maintain a 
disciplined savings and investment strategy without ongoing coaching and support.
  
We set up quarterly meetings and focus on a separate area of financial planning in each one.  

This breaks both your education and the implementation of your financial plan into manageable pieces.  We then take a very active role, like that of a fitness trainer, in helping you make sure that all the key pieces of your plan get implemented.

Comprehensive financial planning covers areas such as goal setting, cash flow forecasting, the development of a spending  plan (if needed), insurance planning, education planning, tax planning, legacy and estate planning, retirement planning, and investment management.  

Fees are billed based on the amount of assets under management.

Modular Financial Planning Services:

We give you a fixed fee bid for help with specific financial planning issues or questions.  It is calculated based on the anticipated hours to complete the project.   

If you would like to learn more about our Guiding Beliefs and Values, please click here.