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Fee-only financial services puts us on the same side of the table

.5%-1% per annum

For early-stage investors who are just beginning their savings journey. Start-Up Phase investors have more basic needs, and their fees reflect a stream-lined approach.

  • Client focus:

    Build savings across different account types, like taxable brokerage accounts, IRAs, and company 401(k) plans. Create a game plan for the next several decades that outlines actions to achieve financial goals.

  • Infinium focus:

    Define the most pressing objectives and educate the client on important financial issues they may not have considered previously. Educate the client on investments and how to create a sustainable and effective investment strategy.

  • Deliverables:

    1. Analysis of current financial situation
    2. High-level financial plan
    3. Low-cost and low-maintenance investment strategy
    4. Access to: Account Information, Performance Tracking, Financial Planning, and Infinium's custom app
    5. Referrals to outside professionals including: CPA, estate planning attorney, insurance agent, lending specialist, and mortgage broker as needed

.5%-1.5% per annum

Investors in the Growth Phase have already accumulated wealth through disciplined savings and may have had a lump-sum liquidity event.

  • Client focus:

    Grow portfolio wisely without taking on too much risk. Seeking to build confidence and certainty around retirement. Sensible plan-of-action to fill gaps and attain success in their key areas of importance.

  • Infinium focus:

    Growth Phase investors are at the height of complexity. They are addressing multiple, vitally important objectives. We tie all of the variables together and create a model to explore the impact of important decisions.

  • Deliverables:

    1. Analysis of current financial situation and history of investing
    2. Financial plan covering all assets and liabilities, current investments, insurance, and financial goals
    3. Investment recommendations that incorporate existing holdings to create the right balance between cost, risk and reward, and tax-efficiency
    4. Access to: Account Information, Performance Tracking, Financial Planning, and Infinium's custom app
    5. Analysis and meetings with current professional relationships including: CPA, estate planning attorney, insurance agent, lending specialist, and mortgage broker

.25%-1% per annum

The Distribution Phase is the culmination of many years of effort, risk-taking, and planning. Investors in this phase are in retirement and are using their savings to generate income.

  • Client focus:

    Protection of accumulated wealth to maintain a desired lifestyle, and a distribution game plan that addresses gifting to heirs and charitable causes.

  • Infinium focus:

    Provide valuable analysis and advice that has gone missing heretofore. Structure a retirement plan that meets as many client expectations as possible. We address dissatisfaction with previous investment advisors head-on to instill confidence that the switch was warranted.

  • Deliverables:

    1. Analysis of current financial situation and history of investing
    2. Retirement-specific financial plan
    3. Two-tiered investment plan covering income needs and gifting objectives
    4. Access to: Account Information, Performance Tracking, Financial Planning, and Infinium's custom app