Investment Management Services
Comprehensive Financial Planning
Special Project Consulting
Investment Management ServicesPurtill Financial LLC provides continuing investment management services to nearly 100 families. Such services include:
- investment analysis of all current investments
- portfolio management on a non-discretionary basis (all investment decisions are approved by the client in advance)
- monthly reports with market trends and returns on each investment held
- comparison of all investments to category benchmarks
- periodic portfolio rebalancing
- basic federal and state income tax planning and preparation
- wealth optimization recommendations on:
- retirement or pension plans
- 529 college savings plans
- 403(b) plans
- 457 plans
- stocks and mutual funds
We charge an asset-based management fee to our clients so that our compensation for investment management is directly related to their investment performance.
Retirement PlanningWe begin every client relationship with a review of all current investment assets and income tax returns, which allow us to understand your financial and tax situation and advise you better.
We will discuss your retirement objectives or retirement situation, in case you are already retired, and then project your investment asset growth and compare that to your cash flow requirements in retirement.
If you are not yet retired, we will recommend ways to accumulate the necessary savings to support yourself in retirement.
Comprehensive Financial PlanningAll NAPFA registered advisors offer comprehensive financial planning services to their clients. We work with you to analyze your existing financial situation, quantify and prioritize your goals, project your investment growth and cash flow needs to an advanced age.
We then can recommend specific solutions to provide for a safe and comfortable retirement and for meeting your other financial goals, such as buying a new home or paying for college expenses for your children. Such a review includes your insurance policies, tax planning, debt management, educational funding, and estate tax liability.
If you are not an Investment Management client, a separate one-time fee is charged for preparation of a Comprehensive Financial Plan and for periodic updates of the Plan.
Special Project ConsultingOur investment management clients regularly receive consulting services from us on numerous financial planning matters, the cost of which is already included their asset management fee. However, if the time required to research an issue is extensive, then we would charge our Special Project Consulting fee.
Those persons who are not Investment Management clients may also want to take advantage of the Special Project consulting service. For an hourly fee, we can provide undivided attention to your concerns and interests in numerous areas, such as:
- Saving for College
- FAFSA Financial Aid Form Preparation
- Retirement Cash Flow
- Investment Asset Allocation Review
- Roth IRA Conversion
- Review of 401(k), 403(b), or 457 Plan Options
- Review Of Early Retirement Offer
- Full or Partial Lump Sum vs. Pension
- IRA Required Minimum Distributions
- Divesting an Annuity or 403(b) Plan
- Any other Financial Matter You Want To Discuss
Investment Management ServicesFees are based on the total value of your portfolio at the end of each quarter and are billed quarterly.
Asset under Management fees are:
|First 0 - $1 million in invested assets||0.80% annually|
|Invested assets in excess of $1 million up to $3 million||0.65% annually|
|Invested assets in excess of $3 million||0.5% annually|
|401(k) accounts with fewer than ten investment options||0.4% annually|
Our fees are 0.8% of assets under management annually, which is at least twenty percent less than the typical advisor. It is our goal to keep your costs as low as possible to maximize your investment returns. For clients with a small amount of assets to manage, we have a minimum fee to work with our firm.
Fees are billed quarterly at a rate of 0.2% of assets under management. Fees can be deducted from investment accounts held at TD Ameritrade Institutional or Scottrade, Clients must provide advance authorization for deduction of advisory fees.
Target clients have $500,000 in investable assets or the reasonable potential to have that amount in the future with professional assistance from our firm.
Retirement Planning and Tax PreparationIncluded in Assets under Management fee for Investment Management clients.
Non-Investment Management clients are billed at the hourly rate of $300 when working with the firm president and $150 when working with other advisors. There is a minimum fee of $300.
Comprehensive Financial PlanningComprehensive Financial Plans are $2500.
Updates of comprehensive financial plans are $750.
We reserve the right to charge a higher fee based on the complexity of the issues for each client and the extent to which the client assists in providing the comprehensive data necessary to prepare such a plan. We will advise the client in advance of doing the work if that becomes necessary.