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WHAT IT’S LIKE TO WORK TOGETHER

Our life planning approach aligns your money with your vision, values, goals, and priorities.

We Listen

We start with what you’re looking to get out of a financial advisor relationship. We listen to your pressing questions and concerns. We learn your values and your vision for a fulfilled life.

We Acknowledge

After we complete our initial meeting, we review your current financial situation in depth. It’s in this step that meaningful opportunities are identified – opportunities you can start taking immediate action on to fulfill your life plan.

We Respond

Next, we will review your initial Financial Life Plan which will address the major facets of your financial life, such as Investments, Cash Flow, Stock Options, Tax Strategies, Insurance, Employee Benefits, College Planning, and Estate Planning. We also walk you through the obstacles that could possibly get in the way with solutions to overcome anything that stands between you and your financial success.

We Guide

As your fee-only fiduciary financial advisor, we continue to prioritize the most important tasks, monitor progress, be your accountability partner for your (and our) action items, manage your investments, and guide you so that your financial plan is properly implemented and fulfills on the life you want to live.

Throughout the year, we proactively plan for your taxes, what to do with your vesting stock options, charitable giving, and any new changes or opportunities that arise. As your partner for your financial life, we never stop learning who you are, who you’re becoming, how your priorities are shifting, and the life you aspire to enjoy living. Your plan is not set in stone, but your financial security is.

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FEES

Orchard City Wealth Management, LLC is a fee-only advisor, which means we do NOT accept or receive any referral fees or commissions from third parties. We work as a fiduciary financial planner, requiring us to put our clients’ best interests first before the needs of the advisor or the firm.

Fees are charged pursuant to an asset-based fee based on the assets designated to be under OCWM’s management, a flat fee generally ranging between $10,000 and $30,000 per year based on a proprietary complexity matrix, or a combination of both an asset-based fee and a flat fee based on a proprietary complexity matrix. The Firm’s minimum annual fee is $10,000 per year.

OCWM’s asset-based fee structure is generally structured as follows:

Client’s Assets Under OCWM’s Management Annual Fee %
From $0 to $500,000 1.40%
From $500,001 to $1,000,000 1.20%
From $1,000,001 to $3,000,000 1.10%
From $3,000,001 to $5,000,000 0.90%
From $5,000,001 to $10,000,000 0.65%
$10,000,001 and above $ 10,000,000 0.40%

If the client chooses to utilize an outside manager for portfolio management, OCWM’s fee includes the outside manager’s fee.

The fee schedule is a “tiered” or “blended” fee schedule, which means that different annual fee percentages will apply to different ranges of client assets under OCWM’s management.

Client’s Assets Under OCWM’s Management Annual Fee %
From $0 to $500,000 1.40%
From $500,001 to $1,000,000 1.20%
From $1,000,001 to $3,000,000 1.10%
From $3,000,001 to $5,000,000 0.90%
From $5,000,001 to $10,000,000 0.65%
$10,000,001 and above $ 10,000,000 0.40%

If the client chooses to utilize an outside manager for portfolio management, OCWM’s fee includes the outside manager’s fee.

The fee schedule is a “tiered” or “blended” fee schedule, which means that different annual fee percentages will apply to different ranges of client assets under OCWM’s management.