We help clients align their values with their life goals and vision. We do that through comprehensive, fiduciary financial advice.
Do you have money piling up in a checking account? Perhaps you inherited money and it’s still aligned with a parent or grandparent’s views, not yours? Maybe you are an entrepreneur or run a mission-driven business and know you need to do some planning about the financial implications for you and your family.
Our Core Services:
Organizing Your Finances
Many times the first step with new clients is simply collecting all of their financial information to get a clear picture of their financial life. This organization process helps ensure we get started on the right footing.
Building Your Roadmap
After working to nail down your details, we’re ready to plan our work together in a way that makes the most sense for you! We’ll build out a custom strategy for your unique goals.
Investment Strategy, Alignment, and Ongoing Management
We learn about your cashflow needs, time horizon, social impact approach and more to develop a tailored investment strategy personalized to your needs.
We help understand your existing wills/trusts. If you may need some or you might needs updates, we’ll help you move forward.
We’ll review your prior taxes, identify opportunities for improvements, think long-term, and make plans to help you avoid common mistakes.
We’ll help you align your spending with your life vision and use your money to do good, increase your fulfillment, and boost your happiness.
We’ll help you figure out how much you need to save. If you want to leave your job earlier than at traditional retirement age, we’ll help you make that happen.
We’ll help you figure out how much you want to redistribute, how, and more. Your plan will also cover non-deductible giving like political contributions.
Risk Management and Insurance
We’ll help you figure out if you need insurance and if so, what kinds, how much, and how to procure quality policies at a good value.
If you want to help provide for a child, grandchild, or someone else’s college education we’ll help you understand 529s and other savings options, how much to set aside, and how to manage the investments.
Whether stock options, grants, or other forms of equity compensation, we’ll help you understand the tradeoffs and make a plan. Then we’ll help you stick with it.
We’ll help guide you through buying a home including setting the budget, engaging the professionals, negotiating for a good mortgage rate, and more. We’ll also help you figure out if you should keep your prior home as a rental and can analyze investment properties.
Lifestyle Transitions We Help Clients Navigate:
From buying a home, to purchasing a car, we’re here to help you plan for the major purchases in your future.
Job Transitions / Sabbaticals
Would you like to transition to a new role or take time away from paid employment? We’ll help you identify your goals and make a career and financial plan that meets them.
Have you inherited wealth (unexpected or otherwise)? We’ll help you figure out how to approach it from a financial and emotional standpoint.
Sale of a company
If you’re a founder or an executive going through a major business sale, you deserve to be supported. We can help you navigate the sale of your business, and set you up for financial and lifestyle success in your future endeavors.
Combining your finances with your partner, and navigating setting goals together can be a challenge. We’re here to support you as you start your new life together.
Are you looking for help setting yourself up for success in this exciting next chapter? We’re here to help answer the financial questions, and guide you through making decisions about living an exciting and meaningful life after you retire.
Have questions about how to include an expanding family in your financial plan? We can help you work through this transition and redefine your goals and values.
Comprehensive Financial Planning
All of our client relationships begin here. We firmly believe that a comprehensive financial plan that is guided by your unique goals and values is the best way to live a fulfilling, impactful financial life. The plan will lay out what’s important to you and how we can structure your financial life to achieve it. We focus on tax-efficient planning that prioritizes charitable giving and sustainable impact. But we don’t stop there. Our financial planning services are designed to help our clients live the lives they’ve always imagined for themselves. We advise on career management, legacy planning,real estate, tax planning, and more.
Investment Planning & Ethics
Many of our clients also engage us in investment management services. We pride ourselves on being a full-service firm that takes an evidence-based approach to our portfolio management. We embrace the research that led to Nobel prizes for Fama and Markowitz. But we also work to make sure clients’ values are reflected in their portfolios.
We believe that this science-backed, tax-conscious, and impact-focused approach allows our clients to achieve the best of both worlds: exceptional performance while doing good in the world.
At Values Added, we provide each client with two services:
We manage our clients’ investments using our impact-informed, tax-smart process for an annual fee of 1%.
We provide holistic, values-first financial planning. Our financial planning fees vary depending on what’s going on in your financial life, but clients can expect fees in the neighborhood of:
$6,000 for an individual
$8,000 for a couple
$10,000-$12,000 for business or rental property owners (note that financial planning for business owners is often tax deductible)
(Financial planning for business owners is often tax deductible.)
For clients with substantial wealth or non-liquid investments, we may be able to offer a pricing accommodation, so please feel reach out.
That’s why 20% of our profits go to supporting organizations fighting for a better world. It’s like the 1% for the planet approach but twenty times as much! We also work personally in our communities and if you have causes you care about, we’d love to learn about them.