This service is for those who first and foremost need to assess where they are now and get a handle on their day to day finances. We look at setting realistic goals for savings, debt reduction and spending. Education on basic investment concepts and credit management is provided. Have your laptop and online passwords ready as we have a "do it now" mentality for these sessions. This beginner's package consists of 2-3 meetings that will leave you more confident in managing your income, savings and credit.

This service is designed for those who want ongoing guidance and access to financial advice. In addition to helping define your financial goals, we help implement recommendations and make adjustments as priorities and circumstances shift.

This program is designed to introduce individuals and families to financial goal setting, prioritization and management. Framework Foundation is for you if you are starting your first job, getting married, changing careers or just getting your financial life together. The focus is on developing and implementing healthy habits in the financial planning areas of spending and saving discipline, credit and debt management, risk management and cybersecurity. Education and guidance around life and health insurance is also provided.

This program focuses on many of the common concerns families and individuals face as their finances become more complex. Framework Forward provides comprehensive financial planning and ongoing counseling for those looking to take their current financial management to the next level. This program is best for those who are juggling daily needs with several long term financial goals such as retirement, education savings and parent care. The focus is on maintaining a sound financial foundation while building strategies to achieve multiple goals.

Covering all the features of the Framework Forward package, this program also addresses the unique financial concerns faced by small business owners, high earners and successful savers. Framework Focused complements comprehensive planning strategies with advanced techniques around taxes, compensation structures, and estate issues. Additional issues such as healthcare planning and small business retirement are also addressed. 

Hourly rates are available for those who only need guidance in one specific area of their financial life such as:

• Healthcare Enrollment Assistance
• Education Planning
• Company Benefits Enrollment
• Pre-marital Financial counseling
• Home/large purchase planning
• Social Security Planning and Enrollment
• Medicare Planning and Enrollment
• Late Stage College Planning
• Debt and Student Loan Management

Fee-based managed accounts (min 100k)

100-300k:  1.15% plus $1200 annual Financial Planning fee

300k-1 million:  1.0% and $1200 annual Financial Planning fee

Over 1 million:  .85% and $1200 annual Financial Planning fee

Commission based accounts available for accounts under 100k and for those over 100k by request.  Commission costs based on investment selection and will be disclosed before final selection.

Not sure whether you want or need one-on-one guidance? These workshops are designed to introduce basic concepts and to give attendees tools to start organizing their finances, as well as direction on what they should include in a financial plan. Each session includes a checklist with actionable steps you can take to begin financial planning.

Click here for currently scheduled sessions or schedule a private session.

• Annual retainer fees are billed monthly or quarterly
  
• Client responsible for professional fees billed outside Framework Financial Planning.
  
• Please note that certain Financial Instruments are only available on a commission basis. When these investments or insurance products are appropriate to recommend, we provide full disclosure as to their cost structure and any inherent conflicts of interest.

• Please note that there is a complete Fee Schedule for FSC Securities Corporation on the firm's Form ADV Part 2A and the fees listed here are within range of fees permitted by the firm.  For more information regarding fees, please request a copy of the firm's ADV Part 2A or visit https://adviserinfo.sec.gov.

*Actual fees may be higher or lower depending upon each client’s specific situation and the products they select. Investors should note that the deductions of fees will impact overall account returns.