Financial Planning Services

Comprehensive Planning and Investment Management

For clients looking for comprehensive financial planning and supervision of their investments, the firm offers a retainer relationship. For an annual fee based on net worth and number of accounts, clients receive comprehensive planning and investment management.

Comprehensive planning involves reviewing client’s retirement preparation, cash flow, assets and liabilities, college planning, investments, insurance needs, estate planning, planned giving, and taxes. Peace of Money sells no insurance or investment products, so the advice is always objective.

Investment Management consists of the creation of customized investment portfolios appropriate to your personal life circumstances and risk tolerance. Careful research is conducted to select mutual funds that have a strong long-term performance, exceptional fund managers and low operating expenses. Actively managed stock and bond mutual funds, index funds, exchange traded funds and individual bonds are included in client portfolios.

Hourly Planning

For clients interested in an interactive process in which we work together to achieve your short and long term life goals, face-to face hourly planning is provided. Your particular goals and concerns will be addressed and strategies developed to meet your needs. As a firm that specializes in retirement planning, that is an essential aspect of planning for all clients.

The hourly fee is $180. Payment is due at the close of each meeting and appointments range from one to two hours. The overall initial cost depends greatly on the degree of complexity of your finances. The advisor recommends that hourly clients check in for annual reviews of their finances, as recommendations will change given changing life circumstances as well as changes in the economy and stock markets.

Peace of Money • 5 Appleton Street • Watertown, MA • 617.744.0193