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WHAT ASSET ALLOCATION WILL YOU USE IF WE WORK TOGETHER?
Short answer – whatever is most appropriate for your situation. Everything we do is customized and crafted just for you. For your age, timeline, comfort with risk, values, hairstyle...the list goes on!
Example: if you're going to retire, that's a pretty different need situation than when you're about to send your twins to college.
One thing is for sure, we'll diversify your portfolio as much as possible.
HOW IS THIS DIFFERENT FROM TRADITIONAL FINANCIAL PLANNING?
We bring the expertise, credentials, and power of financial planning to a conversational, coaching-like program.
We also look deeper at your relationship to money, examining how early experiences and family history may be informing your ideas or approach to finance today (in ways that, often, might not serve you).
We'll then run through exercises and topics to discover, together, how to move through your transitional moment towards a life that aligns with your deepest wants and whispers.
So, consider it financial planning, with a whole lot more.
Still have questions?
IF WE WORK TOGETHER, CAN YOU HELP ME WITH [INSERT CONCERN HERE]?
Yes! After we move through the Amethyst program, we can work through topics, goals, and other financial top-of-mind issues.
CAN YOU GUARANTEE THAT YOU WILL OUTPERFORM WITH MY INVESTMENTS?
No, because we're not super big on lying.
No one can make that guarantee, and if someone claims that you can “capture the upside with none of the downside risk!”, then they’re selling you an expensive product that is making THEM money.
ARE YOU A FIDUCIARY?
You betcha. Ginger is a CERTIFIED FINANCIAL PLANNER™ so she's held do a strict standard of fiduciary duty. She puts clients' interests first and above all else.
WHAT'S YOUR APPROACH TO INVESTING?
We're big on a passive and research-based investment approach. We don't buy anyone saying they can consistently predict or pick any performance predictions, so we won't be recommending anything like that.
So our approach comes down to diversification, keeping costs as low as possible, and aligning risk to your needs, comfort, and timeline.
WHAT CUSTODIAN DO YOU USE?
Only the best for our clients!
We chose the platform with the least headache, best features, and slickest design – Altruist.
Learn more about Altruist here >
Altruist offers a multitude of accounts, even high yield savings and solo 401ks.
For your job's 401k or other work retirement plan, we can manage those remotely via Pontera.
Unfortunately we cannot manage health savings accounts (HSAs), but we can help you choose your investments in those accounts.
HOW MUCH DOES IT COST TO WORK WITH YOU?
It depends on your situation, and which service you use.
Financial Plan
$4500-7500
Investment Management
(available after completion of a financial plan)
1% of managed assets per year, $4000 minimum
$0 - $299,999
1.00%
0.85%
$300,000 - $499,999
0.75%
$500,000 - $999,999
0.65%
$1,000,000 and Above
DO YOU EARN FEES FOR REFERRING CLIENTS TO OTHER EXPERTS + PROFESSIONALS?
Nope. Never. No.
Curious about something? You might find answers here (but probably just about how we work...)
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