Engagement Options
Our clients pay us to give them holistic, unbiased advice. That’s it. We do not sell commission-based products, so we have the freedom to develop your financial plan and investment strategy free of outside influence.Project-Based Planning
Ongoing Planning
Ongoing Planning + Investment Management
Project-Based Planning
Good fit if:
- You want advice on a specific area of your financial plan.
- You like to manage your finances yourself but would like a second set of eyes on your plan.
- You are looking for a one-time engagement where you implement the plan yourself.
Project-Based Planning services available:
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- Budgeting/cash flow planning
- Debt management
- Student loan management
- Retirement planning
- Education funding planning
- Major purchase planning (e.g., buying a house)
- Career transition planning
- Insurance planning
- Employee benefits selection
- Tax planning*
- Wills, trusts, and estate documents planning*
Ongoing Planning
Good fit if:
- You are looking for an accountability partner.
- You are too busy to manage your personal finances and need to delegate the analysis of the various financial decisions you face.
- Your finances are too complex to manage yourself.
Ongoing Planning services include:
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- Budgeting/cash flow planning
- Debt management
- Student loan management
- Retirement planning
- Education funding planning
- Major purchase planning (e.g., buying a house)
- Career transition planning
- Insurance planning
- Employee benefits selection
- Tax planning*
- Wills, trusts, and estate documents planning*
Ongoing Planning + Investment Management
Good fit if:
- You like everything about the Ongoing Planning services, but you also need someone to manage your investments.
- You need someone to help you get through the ups and downs of the market to avoid making rash decisions.
- You want access to professionally managed portfolios and regular rebalancing.
- You want access to tax-efficient portfolios.
Ongoing Planning + Investment Management services include:
All services from Ongoing Planning plus-
- Risk profile assessment
- Current portfolio analysis
- Selection of portfolio based on risk and time horizon
- Tax-loss harvesting (after-tax accounts only)
- Financial “coaching” to avoid costly investment mistakes
*We do not provide tax or legal advice.
FAQs
How do I know if SharpEdge Financial is the right fit?
Scheduling an introduction call is the best way to determine if we’re a good fit for you. In this call, we will discuss your goals and concerns as well as our services and pricing. Schedule a call here.
Do you only work with attorneys?
No. Although we specialize in working with young attorneys, we also work with clients with various backgrounds, such as small business owners, medical professionals, and tech employees.
How does the Project-Based Planning fee work?
We charge a flat fee based on the complexity of your plan, so you don’t feel like we are nickeling and diming you for our time. Half the fee is due at signing, and the other half is due when we deliver the financial plan recommendations. For more information about our fees, please refer to our Form ADV Part 2.
How does the Ongoing Planning fee work?
The Ongoing Planning fee is split into two fees: the onboarding fee and the ongoing monthly fee. The onboarding fee, which is due at signing, covers our time during the three-month onboarding phase. Once the onboarding phase ends, the monthly fee starts. For more information about our fees, please refer to our Form ADV Part 2.
What if I need help managing my investments?
In most cases, we only manage investments for our Ongoing Planning clients, who receive a discounted investment management fee. This arrangement is reflected above under “Ongoing Planning + Investment Management.” For more information about our investment management fees, please refer to our Form ADV Part 2.
Does the investment management fee include my 401(k)?
No. The investment management fee does not include your 401(k). It is only for investments that we directly manage, such as IRAs and brokerage accounts. However, we can provide advice on the investments inside your 401(k).
Do you have a minimum asset requirement?
No. We do not have an asset minimum. Because of our flexible service model, we can serve clients with no investable assets!
How often do you meet with clients?
For our Ongoing Financial Planning relationships, we meet at least three times per year: early in the year, in late Spring, and in the Fall. That said, any time you have a question or something comes up, you can give us a call, send us an email, or schedule a time to chat.
What is your cancellation policy?
We believe in doing what’s right for the client. If you no longer need our services, you are free to go somewhere else! Once you are through the onboarding phase, your contract is month-to-month, so you can cancel anytime. For our full cancellation policy, please refer to our Form ADV Part 2.
Do you prepare tax returns?
No. We do not prepare tax returns. However, we work closely with you and your tax preparer to ensure you are minimizing what you must pay to Uncle Sam. If you need an introduction to a tax preparer, we can introduce you to some of the professionals in our network.
Do you prepare estate documents, such as wills and trusts?
No. We do not prepare estate documents. However, we work closely with you and your attorney to ensure your estate plan is completed and aligned with the rest of your financial plan. If you need an introduction to an estate planning attorney, we can introduce you to some of the professionals in our network.