Feel better about your money
The Process
We meet, I listen. Understanding your situation, core values, needs, concerns, hopes, and dreams is the most important part of the ongoing planning relationship. From here I will gather some information and begin working hard painting a picture of your future. Don’t worry, nothing is charged for this meeting or the pre-planning.
A tentative overview plan is created based on the information provided. This is a broad scope plan; a starting point we will use to pursue your dreams. We’ll meet again to view/discuss this plan together. Like what you see? If so, we enter into a client agreement and begin your journey.
Finally, we narrow your plan and focus on pursuing prosperity. Your core values are at the heart of the process, guiding us around what matters most. We finalize our initial plan and begin installing the action items required. Whether this ends our agreement or our relationship is ongoing, you will be on your way.
Packages
Ongoing Planning Relationships
EVERMAN TOTAL LIFE DESIGN - The complete Financial Concierge
This offering provides clients with a comprehensive financial planning experience. Total Financial Life Design combines the broadest scope of Everman consultation, culminating in an ongoing advisor/client relationship. This relationship is anchored in the financial planning process and intended for clients with investable funds, evolving life events, and/or within 15 years of retirement. Clients receive an initial complete financial plan along with quarterly adjustments and ongoing advice in estate planning, insurance planning, risk assessment, portfolio allocation, portfolio management, tax strategies, and cash flow/budgeting management
1.0% AUM / Annual minimum applies*
EVERMAN LIFE DIRECTION- Financial Planning with a Lighter Touch
Similar to Total Financial Life Design, Financial Life Direction provides comprehensive financial planning in an ongoing advisor/client relationship. This relationship is anchored in the financial planning process and intended for younger clients or those with less complex situations. A lower minimum fee reflects the streamlined nature of the services provided. Just as Total Life Design, clients are onboarded in a comprehensive manner followed by quarterly adjustments and ongoing advice. Planning is focused on financial ratios along with basic forecasts and adjustments. Also included are risk assessment, portfolio allocation, portfolio management, and cash flow/budgeting management. Estate planning, insurance planning, and tax strategies are limited to less complex situations.
1.0% AUM / Annual minimum applies*
Ongoing Planning Relationships Compared
One Time / Limited Services
EVERMAN LIFE CHECK -
Financial snapshot and Direction
This package provides a complete financial analysis and plan based on current financial standing and goals. Similar to the Everman Total Financial Life Design, this offering is comprehensive in nature, foregoing the ongoing management and planning. Follow-up meetings and adjustments are included within a 12-month time frame. This product is intended for households in the early or middle wealth accumulation stages.
One-time fee: $4,470**
EVERMAN RETIRE -
Retirement snapshot
Similar to Everman Life Vision, Everman Retire is a one time series of meetings providing a snapshot of clients’ current situation. Analysis culminates in planning for various retirement outcomes and assistance in choosing optimal retirement circumstances. Aimed at those facing possible retirement within 0-5 years, this product helps shape the retirement landscape based on different retirement variables including safe withdrawal rates, social security, savings, desired income in retirement, desired retirement dates, and life expectancy.
One-time fee: $4,470**
EVERMAN LIFE VISION -
Education for young adults
Aimed at individuals 18-35, this service package is education centric. Meetings are centered around understanding the power of compounding interest and allocation/diversification strategies. Included education and guidance is limited to budget/spending analysis, financial ratios analysis, net worth snapshot, insurance analysis, and current investment overview with recommendations.
One-time fee: $1,770***
HOURLY ENGAGEMENT -
Hourly services are available to Everman clients to serve one-off needs or add-ons to standard packages.
Fee: $320/hr***
* charged quarterly in arrears
** charged over 4 quarters in arrears
*** 50% down payment, remainder on completion
“The plan is nothing, planning is everything”
— Dwight D Eisenhower