Wondering What It Means To Be A Planning First Firm?
We know that as a high earning mid-career professional with a lot going on financial planning can feel overwhelming, taxing and downright difficult to think about!
To operate at a true-fiduciary level, we designed a process that is 100% free from the conflicts of interest you might experience with other advisors who are only interested in managing your money (and as soon as possible!).
That’s why we use a planning first approach and have developed our Financial Life Plan® to help you determine where you are now, where you want to be and how to get there. Once you've completed your FLP® you are under no obligation to work with our firm.
Here are the core planning areas that make up our Financial Life Plan®
Cash Flow Analysis
- Budget Breakdown
- Current Saving Projections
- Implementable Saving Strategies
Tax Management Planning
- Roth Conversion Bracket Bumping
- Stock Options Analysis & Planning
- Employee Benefits Review
- Maximizing your Tax Bracket
- Lifetime Tax Mitigation Strategies
Insurance & Estate Planning Analysis
- Life Insurance Needs Analysis
- Disability Insurance Needs Analysis
- Long Term Care Risk Mitigation
- Making specific & implementable insurance recommendations
- Designing your family's estate planning diagram
Investment Portfolio Review & Analysis
- Volatility Tolerance
- Investment Audit of all accounts
- 401(k) and Retirement Plan Allocation Analysis
- Making specific & implementable investment recommendations
Retirement Readiness Road map
- Personalized, Customized Bucket Plan
- Personal Client Web Portal
- The Family Estate Vault
- Annual Update to Financial Modeling Report
What Is Our Service Model?
Brutal Honesty & Radical Transparency is our tagline (c’mon, it’s on the first page).
We want our fees to be clear to you right away.
We charge a one-time flat fee to complete your Financial Life Plan®.
The fee is dependent on your Household Income as outlined below.
Household Income: |
Planning Fee: |
<$250,000 |
$3,500* |
$250,000 - $500,000 |
$4,500 |
$500,000 - $750,000 |
$5,500 |
$750,000 - $1,000,000 |
$6,500 |
$1,000,000 - $1,500,000 |
$7,500 |
$1,500,000+ | $8,500 |
*For single person household only.
What is considered Household Income?
- Salary
- Bonus
- Commission
- Restricted Stock Units
A breakdown of how we get paid if you choose to hire us as your investment advisor at the plan’s conclusion can be found here.
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Why are we a "Planning First" firm?
Generally I won’t suggest investment options without performing a financial analysis. I mean, I’m just not good enough to provide credible advice without seeing the entire financial picture and understanding the overlapping and sometimes competing client goals. So I educate first, then I plan, and then if we come to an agreement, I will advise and provide investment services. -Lance Drucker, CLU ChFC
Ready to take the first step toward planning for your financial future?
Schedule a "Right Fit" Call
Learn more about the Drucker Wealth Financial Life Plan®: