A Life in Tune
When transitions occur, at Harmony Financial Advisors we can help you see how life movements are connected, and how you can build new financial rhythms. Because the best decisions are built on real information, we take a closer look:
- Why are you seeking advice?
- What are your primary financial and life concerns?
- What are your dreams, goals, and aspirations?
- How do you relate to money?
- Are you facing a life transition?
- What financial habits would you like to address?
Financial Planning
Harmonizing your financial life requires time and care. As such, sound planning is a process, with discreet steps. At the start, we gather your personal history in order to present comprehensive financial recommendations that can affect your life well into the future.
Our plan will present options that we ask you to consider. The critical decisions needed to implement our recommendations are naturally yours.
Our focus during financial life planning includes:
- Cash-flow analysis
- Personal net-worth preparation
- Investment analysis
- Life transition impact analysis
- Risk management and insurance analysis
- Estate planning
Our minimum fee for comprehensive financial planning services is $3,000. The total fee may be higher, based on your needs, and the scope of the engagement. After meeting with you, we will provide an estimate. Initial consultations are always complementary.
Divorce or Separation Planning
We provide unbiased advice to clients during transitional periods in their lives if they are contemplating or actually involved in a separation or divorce. We help clients manage financial change, with divorce involving the division of assets being a primary focus. Our advisory services help clients achieve lasting balance in the context of a separation by evaluating all resources, preserving net worth, and developing cash flow plans.
Thoughtful financial life planning means divorcing clients can expect more desirable and beneficial results. They are happier with the outcome of the entire divorce process. Our services are customized to client needs but can include:
- Review of all financial resources
- Preparation of the Statement of Net Worth
- Analysis of present and future income and expenses
- Estimation of the tax impact on separating assets and liquidation
Our fee for pre-separation, separation or divorce planning is based on your needs, and the scope of the engagement. After meeting with you, we will provide an estimate. Initial consultations are always complementary.
Investment Management
New clients typically present portfolios that are invested in stocks, bonds, and mutual funds that were chosen “one at a time” without considering both overall goals, and other investment holdings. When transitions hit, the lack of a consistent investment philosophy becomes apparent. Financial discord, uncertainty, and the inability to fulfill aspirations can be the result.
We are a fee-only portfolio manager. Your investment strategy is customized and tailored, and protects you through critical transitions and beyond. We make recommendations based on research, experience, and vast market knowledge.
Our advice reflects your unique life circumstances, investment temperament, and views about appropriate ways to put your money to work.
- Analysis of existing investments and retirement accounts
- Recommendations of changes to investment holdings.
- Execution of investment recommendations
- Portfolio performance reports
- On-line access to account information
Our fees for investment management services are based on a percentage of assets under management, payable quarterly, in advance. Our annual fee schedule includes:
- 1.00% for the first $1.0 million.
- 0.75% for any amount above $1.0 million
