FEE-ONLY FINANCIAL PLANNING

Our Services

Achieving your dreams and ambitions is closely tied to setting financial goals. That’s why we offer customized plans that help you find and stay on the right path.

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  • Built For You

Personal Services

It’s never too late (or early) to think about your future. Whether you’re optimizing your taxes or planning for retirement, our experienced team is here to offer comprehensive solutions every step of the way.

Jordan Slingo, Certified Financial Planner at Elwood & Goetz, working  with client, image
Investment Portfolio Management
  • Organization and consolidation of accounts
  • Proprietary Models & Portfolio Optimization
  • ESG & Values-Based Investing opportunities
  • Strategic and tactical asset allocation
  • Dynamic rebalancing
  • Macroeconomic indicators and research
  • Entire universe of investment companies
  • Maximize return potential

Investment Portfolio Management

Construct an investment plan based on your unique situation that maximizes the probability of meeting your goals.

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Retirement Planning
  • Maximize income with dynamic withdrawal strategies
  • Lifetime taxation optimization
  • Savings Plan customized to your goals
  • Roth conversion opportunity analysis
  • Social Security Strategies
  • Pension Analysis
  • Medicare management
  • Required Minimum Distributions (RMDs)
  • Restricted Stock and Stock Options

Retirement Planning

Through retirement and estate planning, our firm helps you thrive and flourish with financial independence. We’ll work with you to create a customized financial plan designed to balance saving for your future while living your life more fully in the present.

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Tax Planning
  • Tax-efficient investments
  • Asset-location strategies
  • Tax-focused savings strategies
  • Tax-loss and Tax-gain harvesting
  • Charitable gifting strategies
  • Income and expense bunching
  • Tax return review

Tax Planning

Our tax planning services help you identify tax efficiencies in your assets and income, and increase income from your taxable investment accounts. Project your current and future tax liabilities, and implement personalized strategies to minimize lifetime taxation.

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Cash Flow Management
  • Cash flow planning
  • Debt prioritization & structuring
  • Education planning
  • Employee benefits review
  • Mortgage analysis
  • Emergency fund & cash reserves recommendations
  • Credit protection

Cash Flow Management

Optimize your cash flow to effectively manage debt, plan for education, and maximize the probability of meeting your goals.

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Net Worth Protection
  • Auto/Home insurance analysis
  • Long-term care insurance evaluation
  • Life insurance needs analysis
  • Disability policy evaluation
  • Business risk management
  • Annuity review and recommendations
  • Coordination of insurance changes

Net Worth Protection

Gain a comprehensive understanding of your risk management needs to ensure your assets and goals are properly protected.

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Legacy Planning
  • Estate and Gift Tax Minimization
  • Qualified Charitable Distributions (QCDs)
  • Philanthropic Planning
  • Essential Estate document review
  • Beneficiary review
  • Coordination of document updates
  • Business Succession planning

Legacy Planning

Prepare for a lasting legacy that endures and thrives in the years to come.

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  • How We Work

Our Financial Planning Process

Financial planning is a specialized service, but that doesn’t mean the process should be overly complicated. At its core, financial planning means balancing your current lifestyle with your future goals. That’s why we make sure you’re actively involved in the planning process, and we help you achieve peace of mind by following a careful set of steps along the way.

Consultation Meeting

We chat over coffee (or Zoom) regarding your needs and situation, while providing an overview of our process and services. And, along the way, we want you to ask as many questions as you have so you can feel confident as we move forward together.

Consultation
Meeting

Step 1

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Investment Strategy and Goal Development

We develop and share investment opportunities to improve your financial plan and portfolio. We’ll walk you through the recommendations, so you can envision your future as our team gets to work planning for it.

Investment Strategy and Goal Development

Step 2

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Presentation of Comprehensive Financial Plan

We present you with a tax-optimized cash flow and retirement plan, often outlining multiple scenarios so you can make the best decisions for you. Other areas of focus include education planning, short-term cash needs, net worth protection, and legacy planning.

Presentation of Comprehensive Financial Plan

Step 3

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Financial Planning Checklist

We sort through the noise for you and help you check the boxes on only the things you really need to do for your personal financial planning process. We provide a summary of the action items needed to implement recommendations, both previously presented and new.

Financial Planning Checklist

Step 4

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Daily Monitoring and Unlimited Adjustments

Once your initial plan is complete, we’ll go to work monitoring it all. And, as life changes, we’ll be there for you to make any adjustments.

Daily Monitoring and Unlimited Adjustments

Step 5

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100% Fee-Only Structure

We established our fee structure to be extremely competitive and remarkably lower than brokerage firms and traditional financial institutions. Unlike many other independent firms, our management fee includes all ongoing financial planning and investment management services.    

With our fee-only model and fiduciary duty, our success is measured exclusively by your success. That’s our only incentive. Deep to our core, we believe this is not only the best way — it’s the right way. And, for us, it’s the only way.   

We believe everything is in the details — and those details take time. To maintain our high level of service and maximize the value of our process, we are best suited to serve clients with at least $1,000,000 in investable assets under our management.

Prospective clients who do not meet the asset minimum may still work with our team by:

  • Surpassing an annual household income of $150,000 (single) or $250,000 (joint); and
  • Paying a supplemental fee of $250 per month
Investable assets under management
Annual Fee*
First $2,000,000
1.00%
Next $2,000,000
0.75%
$4,000,000 - $10,000,000
0.50%
Above $10,000,000
0.25%
Melissa Barron, Certified Financial Planner, meeting with a client in Athens, image
  • plans That Work

Business Services

Owning a business is a journey. And no matter where you are in your entrepreneurial path, our team is positioned to create financial plans that show you the whole picture. From business exit strategies to building a personal retirement plan, we have you covered.

401(k)/Retirement Planning
  • Serve as 3(38) Investment Manager
  • Assume investment fiduciary responsibility
  • Reduce costs
  • Professionally manage models for participants
  • Monitor and update investment options
  • Deliver investment education

401(k)/Retirement Planning

We help you create retirement savings options that are strategic for your business and for your employees. We collaborate to design and build a plan that meets the unique needs of your organization.

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Business Consulting
  • Business strategy review
  • Employee benefits assistance
  • Group insurance planning
  • Employee retention
  • Employee education
  • Cash reserve management

Business Consulting

Through our extensive experience working with business owners, we’ve identified optimal recommendations to help you succeed. We’ll work with you to ensure your business is maximizing its potential.

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Business Succession Planning
  • Goal development
  • Exit planning
  • Family succession planning
  • Business transfer alternatives
  • Tax-minimization strategies
  • Funding mechanisms
  • Business valuation resources

Business Succession Planning

One of the most important questions for a business owner is how to eventually exit their role in a way that will optimize their personal financial plan. We assist with the business succession process within the context of your goals-based financial plan.

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