SERVICES & PRICING
Pay for the value you receive, not just for the amount of money you have.
Three ways to work with us.
MOST COMMON
ONGOING RELATIONSHIP
$875 – $10K/quarter
A holistic and deep-rooted relationship. Services are designed to add value throughout the year to those that wish to delegate the management of their portfolio and possess the financial complexity that warrants leveraging ongoing, professional expertise.
Fees dependent upon complexity.
ONE-TIME FINANCIAL PLAN
$2K – $10K/once
A one-time engagement to make sure you're on track and optimizing various areas of your financial life. This engagement results in a financial plan you can access for life. Future check-ins may be billed hourly.
Due at the completion of the project and upon 100% satisfaction.
HOURLY ADVICE
$500/hour
Focused, as-needed consulting sessions to work through a decision or a discrete piece of your financial life.
Billed as needed.
THE ONGOING RELATIONSHIP
Deep expertise meets genuine and trusted relationship.
Here's what's included and how we add value to clients at the right time, all year long.
IT ALL STARTS HERE
Development of your financial plan.
This is the foundation for everything we do together.
It's built with industry-leading, cutting-edge software and designed to quantify your goals and aspirations. It provides clarity about your financial decisions and confidence you're on track to achieve your life's most-cherished goals. The plan is regularly updated and can be used as a management tool to make prudent financial decisions, like when to retire, how much to convert to Roth, or how much you can afford to help your kids without sacrificing other goals.
It's built with industry-leading, cutting-edge software and designed to quantify your goals and aspirations. It provides clarity about your financial decisions and confidence you're on track to achieve your life's most-cherished goals. The plan is regularly updated and can be used as a management tool to make prudent financial decisions, like when to retire, how much to convert to Roth, or how much you can afford to help your kids without sacrificing other goals.
Open calendar
Beyond scheduled meetings, my calendar is open for a call, video conference, or meeting any time you need an unbiased and objective sounding board.
Client-only letters
Two timely and educational letters each month to help you better understand what's going on in markets or the economy.
Regularly-scheduled review meetings
Meetings to update your plan, review your portfolio, and start strategizing for the future.
Tax-preparation letters
Organized summaries sent to you and your tax preparers to make sure everyone is on the same page and filing season goes smoothly.
Pre-filing return review
A second set of eyes on your tax return before it gets filed to help with completeness, accuracy, and potentially missed opportunities.
Proactive tax savings
Post-filing, we proactively work with you to develop tax-minimization strategies over the next year and beyond.
Roth conversions, RMDs & QCDs
We develop and manage RMD strategies, Roth conversions, and process gifts to charities.
Year-end tax planning
Before December 31, we'll connect to make sure you've done what you can to reduce this year's tax bill.
Gifting strategies
Ongoing conversations about strategies to help leave your legacy (as defined by you) to charity and/or the next generation.
Annual market review
A clear-eyed look back at the year's markets, and a grounded perspective on what it means for your plan going forward.
Cash-flow reporting
We provide a comparison of actual spending to projections in your plan. This ensures you're on track to meet your goals.
Insurance & risk review
We check that your risk management strategies still align with your life, goals, and aspirations.
Performance vs. benchmarks
We provide radical transparency about how your portfolio is performing relative to its benchmarks.
Ongoing due diligence
We continually evaluate everything we're doing, from investments and systems to software, to make sure we're providing high-quality-in-class solutions.
Unclaimed-property review
We check state databases for money that may be owed to you.
Open-enrollment guidance
We help you choose the workplace benefits and elections that actually fit your situation.
Continuous portfolio monitoring
We monitor your portfolio for rebalancing opportunities and to avoid drifting too far from your intended targets.
Portfolio allocation review
We consistently review your portfolio's allocation to ensure alignment with the goals your portfolio is meant to serve.
THE FULL SCOPE
A deeper look at our expertise.
Retirement Planning
—On-track & early-retirement tradeoff analysis
—Retirement / sabbatical projections
—Tax-efficient withdrawal strategy
—Social Security claiming optimization
—RMD management & Qualified Charitable Distributions
—Medicare premium (IRMAA) navigation
—Pension vs. lump-sum analysis
—Saving & spending analysis
Small Business Planning
—Pass-through entity tax benefits
—Cost-segregation studies
—Entity election changes
—Small-business retirement plans
—Maximize QBI deduction
—Evaluate deal structure for business sales & purchases
—Cash-flow analysis from passive investments
Equity Compensation
—Equity compensation guidance
—RSU tax estimates
—Trading-window planning
—Stock-option planning
—Concentrated-stock analysis
—10b5-1 plan strategy
—ISO / NSO optimization
—AMT crossover calculations
—Option-exercise strategy
—83(b) election advice
AND EVERYTHING ELSE
Tax Planning
—Roth conversion & Backdoor Roth strategies
—Mega-backdoor Roth & 401(k) in-plan conversions
—Minimize portfolio tax drag
—Maximize foreign tax credits
—Tax diversification (Roth vs. pre-tax vs. taxable savings)
—Account-funding priority
—Tax-loss & gain harvesting
—Safe-harbor planning
—Deduction lumping
—Monitor income tax rate & tax-code changes
—Introduction to trusted CPAs
Investment Management
—Custom management across all accounts (401k, IRA, HSA, Roth)
—Extensive annual due diligence in search of ways to increase returns, lower volatility, or reduce fees
—Rebalancing & drift monitoring
Estate Planning
—Review of basic estate docs (will, trust, power of attorney, healthcare directives)
—Estate projection and flowchart
—Advanced estate planning strategies
—Introduction to trusted attorneys
Education & Charitable Giving
—Tax-advantaged education funding
—Tax-efficient wealth transfer to future generations
—Donor-Advised Funds (DAF)
—Tax-efficient charitable giving strategies
—Donate highly-appreciated stock
Risk Management
—Review of major coverages (life, health, auto, umbrella, disability, long-term care)
—1035 exchanges for costly annuities & whole-life products
—Introduction to trusted, independent insurance professionals
Employee Benefits Optimization
—Employee benefit review
—Benefits coordination between spouses
—Contract review & negotiation
Real Estate Analysis
—Rent vs. buy analysis
—Prospective rental property analysis
—Rental cash-flow analysis
—1031 exchanges
—Mortgage & debt strategy
Actual service may vary based on each client's unique financial circumstances.
Still have questions?
A 30-minute phone call will give us a chance to mutually decide if your situation matches our expertise. If we aren't the right firm for you, we'll happily point you to the right expert for your unique needs.
SCHEDULE AN INTRO CALL
VISIT
800 W. Main Street, Suite 1460
Boise, ID 83702
Boise, ID 83702
CONNECT
208.830.7953
matt@inspirewealthpartners.com
matt@inspirewealthpartners.com
LEGAL
Fee-only · Fiduciary · CFP® Professional
Wealth inspired.