Monthly Membership
Ongoing access. A financial professional at your side, whenever you need one.
Have your own dedicated CERTIFIED FINANCIAL PLANNER™ professional at your side and available to you on an ongoing basis as your life takes all its inevitable twists and turns. As well as providing you with your own qualified personal financial problem-solver and consultant, your ongoing membership also grants you access to countless other financial and legal professionals at any time for as long as you are a member via the Anglia Advisors Professional Network.
The relationship kicks off with a personalized Asset Map, a graphic presentation of exactly where you stand in all aspects of your financial life and a starting point for all that follows. From there, your CFP® personal finance consultant will identify a program of analysis, recommendations, introductions if necessary and then implementation of the component parts of your financial picture in an organized and sensible order of importance and in a manner that does not ever overwhelm you with excessive data, information and outsized to-do lists all at one time.
As and when the issues are addressed, we ensure that you completely understand what is being recommended and implemented by explaining it to you in real, understandable words and imagery, not the dry, intimidating acronyms and ideas employed by most financial advisors who will often deliberately obfuscate what they are doing because, if they are not fiduciaries, they are more than likely not acting in your best interests and they’d rather you didn’t figure that out!
You have optional access to our affordable, evidence-based, no minimum ongoing Portfolio Management services for all types and locations of accounts, making use of the professional, low-cost, highly-diversified strategies (including those using investments offered by DIMENSIONAL FUND ADVISORS - DFA) developed and managed under the terms of our Core Investment Policy Statement and your own Anglia Risk Score derived from our own proprietary analysis. An integrated High Yield Savings account for high-interest cash management and no-fee checking account comes as part of the portfolio management service.
You are also eligible for cost-effective, high quality estate planning services from the partnership of Anglia Advisors and Helios Integrated Planning. We are very excited to be able to offer this critical service to our clients.
Your advisor remains at your disposal as inevitable life events occur with your job, relationships, real estate situation, parenthood, business interests, relocation, inheritance, marriage, death, divorce and the multitude of other things that will “happen”, all of which can call for a recalibration of your finances. In other words, we want to be your first call when these things take place!
For as long as you are a member, you will have no-cost access to our Client Portal and Electronic Document Vault, which you can use as your complete financial hub, linking and monitoring all your accounts, assets, and debts to generate a dynamic net worth and personal balance sheet statement at all times as well as securely and conveniently electronically housing all your important financial and legal documents in one place.
Unlike the Per Hour Planning option which is viewed as having some kind of pre-defined reachable objective and terminal date in a matter of weeks or months after which the engagement stops or at least pauses, the Monthly Membership model is intended to be an ongoing, somewhat indefinite, longer term relationship, although early termination rights and clauses are included.
The pricing of the Monthly Membership can vary depending on the complexity, whether for an individual or a couple, required level of advisor access required, special circumstances etc.
The Monthly Membership is particularly ideal for those professionals in their 20s, 30s facing or early 40s undergoing multiple life events (marriage/cohabitation, expansion of disposable income, real estate considerations, expansion of family size, divorce etc., to name but a few) who are attracted by the idea of having a qualified professional at their side and constantly available to them in this journey.
MONTHLY MEMBERSHIP FEATURES
Continuous access to your own dedicated CFP® for the duration of the engagement
Detailed analysis of all existing investment portfolios including those in brokerage accounts, IRAs, 401ks etc. followed by recommendations along with a personalized proprietary Anglia Risk Score
Creation and allocation of any additional accounts in line with customized goals, including brokerage accounts, IRAs, High Yield Savings and Checking accounts etc.
Available Portfolio Management (optional, no minimum investment required) including access to investments from DIMENSIONAL FUND ADVISORS and available socially responsible and multiple other investment strategies
Available advice on allocations of existing, in-service workplace retirement plans and other workplace benefits review and recommendations
Consolidation of scattered accounts (including "orphan" workplace retirement plans)
Micro-investing education and integration
Retirement on track analysis
Unlimited introductions/referrals to financial and legal specialists in our Professional Network
Available Anglia Advisors/Helios Estate Planning Services **
** Optional, but may be subject to an additional fee
Broad analysis of college planning needs
Broad analysis of debt management (student loans, credit cards, consumer loans etc.)
Determination and set up of appropriate emergency funding
Assistance with optimization of charitable giving
Assistance with general budgeting and expense management principles
Encrypted and archived text messaging system for connecting with your advisor
Complimentary sign-up to Anglia Advisors personal finance newsletters
Relationship conducted under the Fiduciary Standard from start to finish
Life/disability insurance needs analysis, policy review, recommendations and implementation
Auto/homeowners insurance needs analysis, policy review, recommendations and implementation
Credit development recommendations including available Anglia Deep-Dive Credit Check and Assessment **
No cost Client Portal access for duration of engagement
No cost shared electronic document folder for the duration of engagement
PRICING
A one-time set-up fee of $499
Fixed monthly fee ranging from $179 to $399
The level of the monthly fee depends on whether the engagement is for an individual or a couple, the degree of complexity involved, the desired level of advisor access and/or any other special circumstances
Monthly fees will differ according to complexity level, particular circumstances and/or desired level of advisor access which can be discussed and negotiated in advance. In all cases, the one-time setup fee is due in full upon completion and signature of the client engagement agreement in advance of any planning consultations. Monthly fees become due the first full month following completion and signature of the client engagement agreement.
These are paid in arrears and are therefore not due until the first day of the month following the first full month following completion and signature of the client engagement agreement. For example, if the agreement is signed on, say, March 10th, the first full month for which a fee is payable will be April and the invoice will be sent in mid-April, but will not be payable until May 1st and then the 1st of each month thereafter.
Monthly payments require the use of Zelle and specifically the use of a Zelle payment provider which permits recurring scheduled monthly payments in advance. Otherwise clients can use our free recurring payment platform, AdvicePay. Contact us for more details.
It is anticipated that membership periods will last somewhat indefinitely although a termination mechanism will be put in place.
For single projects or one-time analysis requirements, shorter or more limited or specific outcome-oriented engagements or projects, you may be better off considering our Per Hour Planning service.