Financial Planning
Comprehensive, proactive, analytically rigorous optimization of the financial decisions that matter, including:
- How long do I need to keep working at this demanding job?
- When could I downshift without worrying about income?
- How would buying a bigger and/or second home impact that timeline?
- How much house should I be buying?
- What’s the impact of sending my kids to private vs. public school?
- How much cash should I hold, and in what accounts?
- How do I maintain appropriate liquidity without excessive balances?
- What should I do with the bonuses and other lumpy inflows I receive?
- How should I plan for a down payment on a home I might soon be purchasing?
- How should I manage cash flow during my big upcoming home renovation?
- In what instances should I borrow, how much, and using what products?
- How can I aggressively source lower rates for my mortgage (or leverage my advisory firm’s scale to source them for me)?
- When does it make sense to borrow against my portfolio for short-term liquidity?
- When and how should I refinance my existing mortgage?
- How much should I save for college? When? In what accounts?
- How about private K-12 or grad school?
- What’s the optimal withdrawal strategy?
- How much term life insurance should I have above what my employer provides? How can I optimize its pricing and term lengths? If I previously purchased life insurance that isn’t appropriate for me (i.e., the wrong type or too expensive), what should I do about it?
- How about long-term disability insurance?
- Are my home, auto, and umbrella coverages optimized?
- Which benefits need to be leveraged, and which aren’t worth my money and/or time?
- How should these integrate with the rest of my financial picture?
- How could I be more intentional and purposeful with my giving?
- How could I maximize its tax-efficiency?
- Do I have the correct plan and legal documents in place?
- Do my accounts, assets, and insurance policies name the correct owners and beneficiaries?
- Have I done the “informal” planning necessary to ensure my family would know what to do if I died?
- Am I taking reasonable steps to protect my assets and optimize their eventual transfer to others without introducing unwanted complexity?
Portfolio Management
- Low-cost, tax-smart, diversified investment methodology implemented using ETFs, funds, and direct indexing from Dimensional Fund Advisors and Vanguard
- Customized, holistic, written investment plan integrating all of your investment accounts (managed by Geometric) and private investments (not managed by Geometric)
- Daily monitoring for rebalancing and tax loss harvesting opportunities
- Strategic placement of asset classes across your family’s accounts to optimize tax efficiency
- Thoughtful “behavioral coaching” to guide you through the challenges of staying the course when markets are scary
- Web portal and mobile app to monitor all your family’s accounts, allocations, and investment performance in one place
Tax Services
- Tax preparation, filing, and ongoing planning provided at no incremental charge by your in-house Tax Advisor
- Proactive tax strategy designed to minimize the overall tax burden for high-earning professionals
- Tax Advisors with specialized expertise for partners of professional service firms and private equity professionals
- Quarterly projections and assistance with quarterly estimated tax payments to avoid unwanted surprises
- Integration of tax and investing methodology to maximize after-tax returns
- Collaboration between your Tax Advisor and Wealth Advisor so that you don’t need to gather and explain your financial situation each tax season
Pricing
| MANAGED PORTFOLIO | ANNUAL RATE |
|---|---|
| Up to $2.5 million | 1.00% |
| Between $2.5 and $5.0 million | 0.75% |
| Between $5.0 and $10.0 million | 0.50% |
| Above $10.0 million | 0.25% |
This one fee covers all of our services described above (Financial Planning, Portfolio Management, and Tax Services).
Managed portfolio includes all accounts over which Geometric has discretion, which typically include taxable brokerage accounts/trusts, IRAs, 401(k)s, and 529s.
Fee tiers are applied marginally (for example, a household with $3 million under management would pay 1.00% on the first $2.5 million and 0.75% on the remaining $500k).
Geometric does not have a minimum portfolio size but may institute a minimum annual fee based on each client’s circumstances.