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 present 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. You’ll walk away understanding how we propose to invest your money with a clear financial strategy for your life. 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.

This process can be completed in as little as three months but could take longer. Along the way, we will provide you with specific recommendations to consider.

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.

We charge based on the assets we are managing (i.e. assets-under-management) using the fee structure below. Typically, this fee structure is used when we are managing $850K of assets or more.

HOW FEES ARE CALCULATED

Assets-Under-Management Fee Calculation

Asset Range Fee %
$ $ 3,000,000 0.90%
$ 3,000,001 $ 5,000,000 0.70%
$ 5,000,001 $ 10,000,000 0.50%
$ 10,000,001 0.25%
If you choose to utilize an outside manager for portfolio management, this fee does not include the outside manager’s fee. The outside manager’s fee will be reviewed with you upon entering into an agreement with the outside manager or sub‐adviser.
For those clients who do not utilize the firm’s investment management services or have less than $850K to manage, we charge a flat, quarterly fee that is determined based on the complexity of your individual situation and the scope of services needed, starting at $1,750 per quarter.
Asset Range Fee %
$ $ 3,000,000 0.90%
$ 3,000,001 $ 5,000,000 0.70%
$ 5,000,001 $ 10,000,000 0.50%
$ 10,000,001 0.25%
If you choose to utilize an outside manager for portfolio management, this fee does not include the outside manager’s fee. The outside manager’s fee will be reviewed with you upon entering into an agreement with the outside manager or sub‐adviser.
For those clients who do not utilize the firm’s investment management services or have less than $850K to manage, we charge a flat, quarterly fee that is determined based on the complexity of your individual situation and the scope of services needed, starting at $1,750 per quarter.