What type of advice are you looking for?

Ongoing Planning + Investing

Financial Planning Partnership

Get (and keep) your whole financial life on track

Starting at $500/month
(Includes Investment Management)

Best for people:
Looking for a long-term partner to help them make decisions across their entire financial life

  • Our ongoing financial planning + investment management looks at all areas of your financial life on an ongoing basis.

    Investment Management is included in this offering. That means whether you keep your investments where they are or we manage them directly, the price is the same. That’s because we believe the value is in advice, not who is clicking buy and sell.

    • Everything listed in the Planning section below

    • Specific plans for each of the 6 variables of financial planning

    • Customized investment portfolio to fit your risk tolerance and time horizon

    • Full financial plan covering all topics listed in Planning section below

    • Customized investment portfolio

    • 24/7 access to your plan and account information

    • 4 scheduled review meetings per year (+ability to schedule meetings as needed)

  • Standard : $750/month

    Accelerate: $500/month*

    *We offer a discount for those with a net worth under $2M because we know the value of our advice and want to encourage people to accelerate their financial lives.

  • You have two choices:

    1. You can pay by credit or debit card

    2. If you choose to have us manage some of your investments, planning fees can be deducted directly from your investment account. (We do not charge additional fees for investment management)

  • We hope to partner with you for a long time. But we understand that life changes.

    The Financial Planning Partnership is a month-to-month arrangement. We bill monthly in arrears (which means at the end of the month). This also means you only pay us for work we’ve already done, never in advance.

    To cancel, let us know 15 days before your next billing date, and you will not be charged going forward.

One-Time Planning

Fix a specific problem

Price based on time and complexity
(see below)

Best for people:
With a one-time planning need, e.g.,
second opinion on existing plan, end of life planning, insurance purchase review

  • One-time planning engagements vary widely from project-to-project. They can be very quick, for example, help evaluating how to refinance a house, or more involved, for example, a complete financial plan that you implement on your own.

    Each project begins with a discussion to define the exact scope of work, timeline to completion, separation of duties (what are you responsible for, what is Ataroke responsible for) and what deliverables can be expected.

    Pricing is determined during this discussion and is agreed to before any work begins.

    We typically collect half of the agreed upon fee up front, and the second half at project completion once you are completely satisfied with our work.

    • Any item listed in Planning section below

    • Analysis before buying / selling a house

    • Review of a potential insurance purchase (we do not sell insurance)

    • Investment portfolio review

  • Given the varying nature of one-time projects, deliverables will vary based on the scope of work.

    Our aim is to make sure you walk away fully understanding what you need to do next, whatever form that may take.

  • Price varies based on scope, complexity, time, etc.

    A typical range is between $2,500 - $5,000, but for more simple projects, the price may be as low as $500.

    Exact pricing details will be agreed to before any work begins.

  • You can pay by credit or debit card

    We typically collect half the fees up front, and half the fees at project completion.

  • The length of each engagement varies from project to project.

    Some projects may be as short as a few days, and others may last a few months.

Investment-Only

Investment-specific solutions

0.50% per year of assets managed

Best for people:
Looking for help with only investment related issues

  • Our investment-only offering is designed with two people in mind.

    1. People just starting out where it doesn’t make sense yet for a full financial planning relationship but still want to make sure they are on top of their investments.

    2. More established people looking for advanced investment strategies that are not yet available for non-professionals. For example, structured notes, alternative investments, and certain institutional managers.

    • Portfolio of equities and fixed income to fit your risk tolerance and time horizon

    • Portfolio of structured notes to attempt to either 1) increase upside potential, 2) limit downside potential, or 3) generate income.

    • Customized investment portfolio

    • 24/7 access to your account information

    • 2 scheduled review meetings per year (+ability to schedule meetings as needed)

    • Everything available in our investment offerings

  • 0.50% per year of the assets being managed

    • Billed quarterly in arrears, which means, at the end of the quarter.

    • Annual fee is pro-rated for the quarter, so it becomes 0.125% per quarter.

    • Fee is calculated based on the average daily balance during that quarter.

    Example: if the daily average balance of your investments during the quarter is $100,000, then the fee for that quarter is $125 ($100,000 x 0.125%)

  • Fees are deducted directly from your investment account.

  • You can move your money at any time.

    If you move your money during the quarter, fees will be pro-rated for period your money was being managed.

Which service is right for you?

Unsure where to start? Check out our free 30-minute financial assessment.

Planning

Everyone wants a "financial plan" but very few can say what a financial plan actually is. At Ataroke, we believe there is a difference between "a financial plan" and "doing financial planning".

A "financial plan" is a series of projections and best-guesses under current conditions. Like a flight plan for pilots, it is necessary, but sure to be wrong and shouldn't be followed blindly.

"Financial planning" is a process — a process of clarifying your purpose, being intentional, and setting guiding principles that help you adjust in the changing landscape that is life.

Planning topics we address:

  • Are you putting the right amount of money to work in the right places?

    We'll help you get your investments in line whether we manage it or you do.

  • You never want it until you need it.

    We don't sell it, but we'll make sure you get the right kind, the right amount of coverage, and not pay too much.

  • Is your money going where you want it to?

    We'll help you get a better handle on your cash flow, whether it's paying off debt, structuring new debt, or just trying to be more efficient.

  • Congrats! If you're paying taxes you're likely making money.

    We'll help you make sure you don't pay more than you need to.

  • Will your money go where you want it to go, when you want it to go there?

    We'll review your existing estate plan and get you in touch with the right professionals if any changes need to be made.

  • If only YouTube gave diplomas.

    We'll help you calculate and plan for the best way to pay for education costs.

  • Being unemployed for 30 years will be easy, right?

    We'll help you determine how much you'll need in retirement, where your income will come from, and what you need to look out for.

  • Someday you'll actually benefit from all those taxes you've paid over the years.

    We'll help you understand and sign up for these programs to get the most out of them.

  • Do you get confused looking at all the options your employer offers?

    We'll help you understand your options and make sure you're getting the most out of your benefits package.

  • All that "other stuff" that comes up in life. Selling a house? Starting a business? Having a child?

    We'll help you understand how these life events will affect your long-term goals and make the best decision.

  • You can’t take it with you when you go.

    We’ll help you make sure you’re giving to the people and organizations you care about and maximizing the financial impact of your gifts.

Investing

If you’re looking for someone to get you out of the market before a crash, and back in before the rally, keep looking.

If you’re looking for someone to help you invest your money in accordance with your purpose, time horizon, and risk preference, you’re in the right place.

We believe investment performance is about behavior as much as it is allocation. We believe that by helping you understand why you are investing the way that you are and setting proper expectations up front you are more likely to stay the course and experience better results over the long-run.

Behavior Gap sketch

Insurance

Just because we do not sell insurance does not mean that we ignore it. Insurance and risk management is still a vital piece of any financial plan.

We’ll make sure your deductibles are appropriate and identify any gaps in coverage. If you need to purchase insurance, we’ll help you shop for and purchase it. We don’t sell it, but we’ll be by your side to make sure you’re getting a good deal and not being sold something you don’t need.

If this sounds like what you are looking for, then let’s schedule a call.

This 15 minute phone call will give us both a chance to make sure your situation matches our expertise.