Resource Management LLC - Fee Only Financial Planning -

Services

Get Acquainted Appointment
This meeting is an opportunity for us to exchange information and for you to get an even better sense if we are the right financial planning firm for you. At the conclusion of this initial meeting, we will have a better idea of the scope of your financial planning needs and present you with a fee-estimate for providing potential financial planning services. This first meeting will last about thirty minuets. There is no charge to you and this meeting does not obligate you to retain our services. If you are interviewing several planners we recommend that you schedule your get aquainted appointment with us last.

To get started:

Call our office to set up an appointment for the Get Acquainted session. 429-8123
One week before appointment, please e-mail as an attachment, mail or drop off completed Preliminary Personal Financial Planning Questioner plus any items we may requested on the last page of the profile.

Financial Tune-Up
The Financial Tune-up is a hourly as needed one time financial planning session. It can serve as a second opinion or financial check-up or a way to obtain advice on a limited set of issues such as retirement planning or investment diversification.

Includes:
Specific written recommendations and analysis at time of meeting
List of recommended resources and materials
Telephone/e-mail assistance for 30 days after meeting
Relevant Articles sent by e-mail when indicated.

Cost:
The Financial Tune-up usually lasts no longer than 1 1/2 to 2 1/2 hours. The fee includes the preperation time before the meeting and one month to ask follow up questions by phone or e-mail. Fee is payable at time of Financial Tune-Up appointment and rarely goes over $675. This can be the most cost effective way to utilize my services.
A lot can be accomplished in those few hours.

To get started:
Call our office to set up an appointment for the Financial Tune-Up. 429-8123
One week before appointment, please e-mail as an attachment, mail or drop off completed Preliminary Personal Financial Planning Questioner plus any items requested on the last page of the profile.

Financial Plan
At this level we offer a more detailed and broad financial plan. This level of service is appropriate for clients who desire a comprehensive analysis and road map but feel comfortable implementing the plan with minimal ongoing assistance. Self-employed individuals may add a business-planning meeting for an additional fee.

Includes:
Specific written analysis as agreed upon in the Client Service Agreement. Services may inclued goal planning, life planning, cash flow, budgeting, tax planning, investment risk assesment, risk management (insurance), retirement and college planning, estate planning, asset allocation, investment policy statement and possible investment choices.
List of recommended resources and materials
Telephone/e-mail assistance between appointments and 30 days after final appointment
Relevant Articles sent by e-mail when indicated.

Cost:
$900 to $1600, depending on complexity of situation (A fee based on hours needed will be quoted at free initial get aquainted consultation).

To get started:
Call our office for free get aquainted initial consultation 429-8123
One week before appointment, please e-mail as an attachment, mail or drop off completed Preliminary Personal Financial Planning Questioner plus any items requested on the last page of the profile.

Please note:
For all financial plans it remains the clients responsibility to advise us of any change in their circumstances to keep their plan current.

Full Retainer
In addition to offering a more detailed and broad financial plan, the full retainer includes personal ongoing assistance in implementation. It's like having a personal trainer help you achieve your financial goals.

Includes:
Specific written analysis and recommendations on all topics mentioned under Financial Plan description.
As many meetings, calls and e-mails as necessary to develop and implement your plan.
Monotering the progress of inplementing the plan. Coordinating meetings with your attorney and accountant where necessary to implement your plan. Full retainer cleint question and concerns have first priority over self directed clients.
Fee includes implementaion of suggested asset allocation and full management of the account for the first year.
List of recommended resources and materials
Relevant Articles sent by e-mail when indicated.

Cost:
$1800 to $2600 the first year, depending on complexity of situation. (A fee based on hours needed and complexity will be quoted at free get acquainted consultation).

To get started:
Call our office for free get aquainted initial consultation. 429-8123
One week before appointment, please e-mail as an attachment, mail or drop off completed Preliminary Personal Financial Planning Questioner plus any items requested on the last page of the profile.

Please note:
For all financial plans it remains the clients responsibility to advise us of any change in their circumstances to keep their plan current.

Self-Directed Investment Management Accounts

This is for self-directed investors who want to carry out the daily activities of monitoring, trading, and record keeping of their portfolio themselves. A self-directed arrangement is ideal for clients that have the time, desire and passion to education themself to the point where they can properly manage their portfolios on their own. The fee includes regular email updates and twice-yearly review meetings with a financial planner intimately familiar with your circumstances. These one hour meetings can be used to review your portfolio or cover any financial planning topics you desire. A lot of material can be cover in one hour. For the first time in Hawaii self-directed investors can have access to DFA (Dimensional Fund Advisors) without having to turn over their portfolio to be fully managed. You also have access to most load mutual funds without paying the commission. This arrangement can be made at less than 1/3 the cost of a fully managed account. Please call for more details.

Fully Managed Investment Advisory Accounts

It's for those that desire Resource Management to provide ongoing management of their investment portfolio. We will provide you with regular reports detailing the portfolio holdings, summarizing purchases, sales, (for tax purposes) contributions and withdrawals, and performance and monotering relative to your objectives and relevant indices. We also encourage regular conferences to review your portfolio performance, investment policy guidelines, Current Risk Tolerance, strategies and constraints
Includes:
- Writing up and implementing your investment policy statement and updating that policy as your circumstances change.
- Selecting the most appropriate quality low cost investments for your portfolio. This includes doing all trading in the accounts under management. It also includes tax efficient trading where appropiate.
- Monitoring and updating your asset allocation percentages as appropriate.
- Regular conferences to review the progress of your portfolio toward meeting your financial goals.
- The management fee includes all routine financial planning throughout the year.
Cost: Our fees for investment advisory services will be calculated as follows:
- First $500,000 under management 0.75% per year
- $500,000 but less than $1,000,000 under management 0.50% per year
- $1,000,000 but less than $2,000,000 under management 0.40% per year
- $2,000,000 but less than $4,000,000 under management 0.30% per year
- $4,000,000 to $10,000,000 under management 0.25% per year
- Over $10,000,000 under management 0.20% per year
The minimum annual investment advisory fee is $1200. The Hawaii gross excise tax will be added to all Management fees.

To get started :
- Call our office for free get aquainted initial consultation.