As a registered investment advisory firm, the cornerstone of our services is investing assets to maximize your returns so that your money-based goals can come true. We advise individuals, trusts, pension plans, and small business owners on the investment of their funds.

An investment advisor will develop a customized investment policy based on your individual investment history and level of risk. Current investments will be evaluated and a model portfolio will be established based on your long-term objectives, risk tolerance, and retirement goals, and immediate financial needs such as debt reduction and major purchases. Asset management may be only a small part of the larger financial planning process.

Client education is of paramount concern to us. We will explain topics such as mutual funds, stocks, bonds, and money market funds. Portfolio choices then fall into sub categories such as large cap and small cap stocks and whether they are growth or value. We will go into as much detail as you wish, and then choose appropriate investment vehicles for your portfolio.

The custodians we use for holding your investments are Charles Schwab & Co. Inc. and/or T. D. Ameritrade.  Most of the investments that we choose will be purchased without a charge, load, or transaction fee. We do not receive commissions for investments we recommended. You will receive a monthly statement from Charles Schwab and/or T. D. Ameritrade, and a quarterly statement from Asset Planning, Inc.

Your financial advisor will monitor your portfolio and rebalance the investments as necessary to meet the initial objectives and investment policy. Periodically, you can meet with an advisor to review your portfolio, investment strategy and to make sure your objectives are being met.

We are fee-only advisers.  Your adviser is paid by a flat percentage fee based on the value of the investments under advisement. We are not paid commissions for managing your portfolio.  Our only source of compensation is from our clients directly.  The asset based fee is 1% on the initial portfolio & can decline as the assets reach breakpoints.  Sandra’s minimum portfolio is $400,000, Carol’s minimum portfolio is $100,000.  We offer a sliding scale of fees for larger portfolios.  Portfolio minimums may be waived for financial planning clients.

Establishing and maintaining a relationship with each of our clients is a critical part of our business. The professionals at Asset Planning, Inc. are concerned with your financial success, and will work with you to reach your goals.