Key Benefits for Comprehensive Financial Planning
KJH Financial Services' Comprehensive Financial Planning and Investment Management services involve an assessment of a client's current financial situation including, but not limited to, any future income needs from client's portfolio, time horizon, and risk tolerance. A client's current investment portfolio is reviewed and, in most cases, an "Investment Policy Statement" (IPS) is constructed that will include recommendations for asset allocation and asset selection. Periodic reviews will be performed over a client's portfolio to ensure that it is consistent with the client's IPS.
Specific services which may be offered as part of KJH Financial Services' Comprehensive Financial Planning and Investment Management services may include, but would not be limited to the following:
• Preparation of an annual net worth statement;
• Create a cash flow statement;
• Create an IPS in accordance with the Client's goals and objectives;
• Implement investment recommendations as outlined in the IPS;
• Provide portfolio management services;
• Review client's most recent personal tax returns and provide tax planning advice;
• Review and/or prepare personal and small business tax returns;
• Provide insurance advice and assist client in implementing recommendations;
• Provide estate planning guidance and assist client in implementing recommendations;
• Complete a retirement analysis;
• Provide education planning advice;
• Provide quarterly client review;
• Provide advice and recommendations on any other area of financial planning in which Client has interest during the year.
All Comprehensive Financial Planning and Investment Management services provided by KJH Financial Services shall be provided in accordance with the terms of KJH Financial Services' "Advisory Services Agreement." KJH Financial Services' fee for Comprehensive Financial Planning and Investment Management services will be calculated as of the last business day of the billing quarter and shall be assessed in arrears. The billing quarter shall start on the date KJH Financial Services' Advisory Services Agreement is fully executed by the client and KJH Financial Services.
Fees assessed by KJH Financial Services may be collected from a client's account(s) by the custodian upon advance notification to the appropriate custodian by KJH Financial Services. KJH Financial Services will not deduct such fees itself, rather, the custodian(s) that maintains and holds the client's account(s) may deduct KJH Financial Services' fee(s) and remit KJH Financial Services' fee directly to KJH Financial Services. This billing method will involve notification to the client prior to notification to the custodian(s), so that the client is aware of the fee and KJH Financial Services' method for its calculation.
KJH Financial Services' basic fee schedule is as follows:
First $500,000 of Net Worth 1.00% annually
Next $750,000 of Net Worth 0.80% annually
Next $1,000,000 of Net Worth 0.70% annually
Over $1,500,000 of Net Worth 0.50% annually
All fees are subject to negotiation at the sole discretion of KJH Financial Services. Brokerage, custodial, or other fees resulting from the implementation of KJH Financial Services' Comprehensive Financial Planning and Investment Management services are separate and distinct from KJH Financial Services' fees.
Please contact us.
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