High Touch Financial Planning– 6 Core Principles
1. Life First
Your values and goals drive every money decision.
2. Money Buys Time
Wealth is measured in hours you control, having a solid plan to build and preserve wealth affords you that control.
3. Flat Fee
One fee, your success is our only incentive.
4. Simple Is Smart
Clear plans, no jargon, no noise.
5. Plan Ahead, Not After
We predict life changes and tax shifts before they hit.
6. Your Life, Your Plan
Annual Life Review keeps your money aligned with who you’re becoming.
Our Investment Philosophy
At High Touch Financial Planning, we believe financial security should be accessible, not a luxury. Our investment philosophy is built on transparency, low costs, and a long-term focus, designed to help retirees maximize income and build wealth—while saving you thousands annually compared to traditional percentage-based fees.
- Low-Cost Investing: We utilize index funds and ETFs with expense ratios as low as 0.03%–0.07%. This minimizes fees, ensuring more of your money works for you—unlike the 1% fee model, which can cost $10,000–$50,000 on $1M–$5M and then layer high expense-ratio funds on top.
- Tax Efficiency: As an Enrolled Agent, I optimize your investments to lower taxable income through strategies such as direct indexing, tax-loss harvesting, and placing bonds in tax-advantaged accounts—potentially saving 10%–20% on $50K–$100K annual withdrawals.
- Diversification for Stability: Our portfolios spread investments across broad market indices and multiple asset classes to reduce risk. For retirees, this supports steady income; for younger clients, it fuels long-term wealth growth.
- Long-Term Growth: We focus on time in the market, not timing it, using a disciplined approach to build lasting value. Whether securing retirement withdrawals or growing a $300,000 portfolio to $600,000+ over a decade, we prioritize your future.
- Client-Centered Approach: Every plan aligns with our proven five-step process— Assess, Define, Develop, Implement, and Review—ensuring your needs drive our strategy, not asset size.