Financial Planning
for Individuals
Comprehensive Financial Planning Includes:
Charitable Giving Solutions
Customized Advance and Protect Asset Allocation Model
Employer Sponsored Retirement Plan Asset Allocation Review & Recommendations
Estate & Legacy Planning & Coordination
FAFSA Review and Education Planning
Opportunity Fund Planning (second home, travel, etc)
Protection Planning and Insurance Analysis (life, disability, long term care, etc.)
Required Minimum Distribution (RMD) Strategies
Retirement Accumulation/Income Distribution Plan
Social Security Breakeven Analysis
Spending/Transaction Analysis & Future Spend Tracker
Stock Option/Restricted Stock Units Guidance
Tools and Benefits
AdviceWorks® Client Portal & App
- Online personal document vault
- Client access to financial planning tools
- Account Aggregator
- Spending/Transaction Tracker
Reviews, Reports, and Updates
- AssetMap® Visual Balance Sheet
- Financial Virtues® Assessment
- Monthly and Quarterly Investment Reports
- Monthly Educational Topic Newsletter and Update
Session - Quarterly Economic/Portfolio Review
- Quarterly Educational/Q&A webinars
- Riskalyze® Advanced Investment Risk Alignment Report
- Two Guided Family Financial Conversations
Exclusive Advisor Access
- Accompany you to four essential visits (virtual or in person local visits)
- Assistance with document organization and creation of your Personal Document Locator
Our Engagement Together
Our engagement is a long-term partnership so that we can have a deep understanding of your aspirations and priorities and we work together to ensure that you stay on track to reach your financial goals through discovery sessions, goals setting, implementation, and more. There are 2 engagement options to fit your needs.
- Discovery Session
- Goal Setting and Strategy Session
- Financial Plan Findings and Recommendations
- Investment Portfolio Review and Evaluation
- Implementation Session
- Semiannual Reviews
- Annual Updates
Option #1: Investment Advisory & Financial Planning
Investment Advisory Fee Schedule*
|
Up to $100K |
1.5% |
|
$100K to $250K |
1.5% |
|
$250K to $500K |
1.5% |
|
$500K to $750K |
1.5% |
|
$750K to $1M |
1.5% |
|
$1M to $1.2M |
1% |
|
$1.2M to $1.5M |
1% |
|
$1.5M to $2M |
1% |
|
$2M to $2.5M |
1% |
|
$2.5M to $3M |
.75% |
|
$3M to $3.5M |
.75% |
|
$3.5M to $5M |
.75% |
|
$5M and above |
.60% |
Financial Planning
Full financial plan is included in the fee schedule above
*$500K is a household minimum. Annual investment advisory tiered fees are billed quarterly and based upon the account value at the end of each quarter. Householding benefits are extended to family members by account balance aggregation to reach advisory fee breakpoints
Option #2: Financial Planning Only
| Planning Fee | $5,000 |
| Recurring Monthly Charge | $175 |
Get in touch with us today.
Whether you've currently experienced a major finanical transition or want to prepare for life’s unexpected situations, we would love to get to know you! Schedule a complimentary 10-minute introduction call with Donna right here:
See our financial planning services and Checkout Donna's background on FINRA's BrokerCheck
Sephton Financial, LLC
8200 Flourtown Ave
Suite 1B
Wyndmoor, PA 19038
o. 215 948 3945 f. 267 422 3664
Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated.
Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.
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