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Are you looking for ongoing financial advice and investment management?


What we offer

We provide ongoing planning and advice about all aspects of your finances. This includes discretionary management of your investments and ongoing tax minimization planning. Additionally, we can coordinate the preparation and filing of your income tax returns through Tenon Tax Preparation, a separate company that's under common ownership with Tenon Financial

What you get

The starting point of our ongoing service is the creation of your financial plan, which is included at no extra cost. Your financial plan is the roadmap for future decision making. However, as life happens, financial markets do what they do and tax legislation changes, your financial plan will inevitably evolve over time. With our ongoing planning & investment management service, we're there to be your trusted partner to help you make the necessary decisions along the way

After completion of your initial plan, we'll work closely with you on an ongoing basis to implement it. Typical implementation items include:

  • establishing when to claim Social Security
  • selecting pension payment types
  • transferring and/or consolidating investment accounts
  • reallocating investment portfolios
  • converting from traditional to Roth IRAs
  • changing income tax withholding elections
  • determining health insurance options
  • establishing a spending plan
  • consolidating debt
  • refinancing a mortgage
  • buying or selling real estate
  • amending insurance coverage
  • updating estate documents and beneficiary forms

Financial planning is a process, not a product. It's a close ongoing relationship between you and us involving regular meetings, webinars, calls, e-mails, etc. The ultimate goal is for us to help you make the best possible decisions around your finances to allow you to live your best possible retirement!

We'll typically have two formal meetings per year to update your plan, refine your portfolio withdrawal strategy, determine each year's tax planning objectives and actions, review estate plans and wishes, discuss any questions you have, etc. While the goal is to have the two official meetings each year, you're not limited to only working with us every six months...we're here for you as life happens! We're accessible by meeting, phone, e-mail or video conference as life unfolds and financial planning decisions need to be made

Additionally, you'll have continuous access to your own personal finance portal through eMoney, our financial planning software. Your eMoney portal allows you to aggregate info from all of your various banking, investment and lending accounts into one single view. You'll be able to see and track your net worth, investment holdings, cash flow and various other financial reports

We'll also provide ongoing discretionary management of your investments, through accounts held in custody at TD Ameritrade Institutional. We use a straightforward, passive and fee-conscious investing approach that ensures your portfolio will remain diversified, low cost and best allocated for your risk tolerance and financial profile. We typically invest using a combination of Vanguard exchange traded funds ("ETFs") that track major stock and bond indices

We also focus on long-term tax minimization throughout every step of our financial planning and investment management processes. Additionally, we can coordinate the preparation and filing of your tax returns through Tenon  Tax  Preparation, a separate company that's under common ownership with Tenon Financial 

What it costs


For a coupleA flat annual fee, typically $6,000 to $8,400* per year
For an individualA flat annual fee, typically $4,800 to $7,200* per year


Our fees are based on the complexity of your financial life and therefore the amount of resources necessary to provide you the most value throughout the year. Your fee will be agreed upon prior to entering a formal engagement with us. Fees can be deducted directly from your investment accounts under our management or by ACH bank transfer

Unlike many advisors, our ongoing fee is not tied solely to the amount of your investable assets. The size of your investment accounts is generally a poor gauge of the complexity of your financial life

Most advisors whose fees are based on assets under management charge around 1.0% per year. On an account size of $1,000,000, the annual fee would be about $10,000 per year. The larger the account, the higher the fee...even if it isn't any more work. We feel that's unfair, which is why we charge a flat annual fee

Next step

Schedule a free introductory call to further explore how our ongoing planning and investment management services can be of value to you:

click here to schedule a call

* The fee may be higher if you are a business owner, have a highly structured legal estate, own private or illiquid investments or otherwise have a lot of complexity in your financial life. We will quote you the final fee after having an introductory call