How We Can Help
BUSINESS PLANNING
Entity formation
Working capital analysis
Growth & margin forecasting
Income & expense deferral
QSBS eligibility
QBI deduction analysis
Retirement plan selection
Salary vs. distribution analysis
Buy/sell agreement review
Exit planning
INVESTING
Risk tolerance analysis
Savings rate review
Asset allocation
Tax-loss harvesting
Portfolio rebalancing
Equity compensation strategy
529 plan review
Donor-advised fund strategy
INSURANCE
Health insurance review
Company benefits review
Life, home, auto and liability
Disability insurance
E&O insurance
Key man insurance
CASH FLOW PLANNING
Income & expense planning
Budgeting
Emergency fund planning
Maximizing after-tax cash yield
Debt management
Cost structure analysis
Depreciation analysis
TAX PLANNING
Review of deductions & credits
Analysis of estimated tax payments
Tax deferral strategies
Roth conversion strategies
Pre-Tax vs. Roth contributions
TRUST & ESTATE
Last will & testament
Review of trust documents
Beneficiary designations
Healthcare directives
Financial power of attorney
Fees Aligned With Your Needs
Too many business owners are turned away by financial advisors who require a minimum of $500,000 or more in investible assets to work with them. Financial planning should not hinge on an investment minimum. You deserve a plan whether your assets are large, small, or tied up in your business.
Option 1:
Investment Management + Financial Planning
Our first few meetings (typically three to four) are all about getting aligned: clarifying what you want to achieve, collecting the right information, and setting expectations. The result is a clear financial roadmap and a simple one-page dashboard to measure progress and help you stay on track.
Portfolios management begins with assessing your attitude towards market volatility and your capacity to invest in risk assets like stocks, bonds, real estate etc. Your risk profile paired with your tax profile and cash needs over various points in time serve as the foundation for an optimal portfolio strategy.
We meet at least 2-4 review meetings per year with reviews focused on urgent or seasonable topics. I am available 24/7 as needed between review meetings.
A Fit For those in need of year-round planning and portfolio management that is aligned with their stated goals and ideal life.
Assets under management fee is billed at the beginning of every quarter. Below you’ll find our fees for the assets under management + financial planning offering.
Option 2:
Ongoing Financial Planning
A series of initial meetings (typically 3-4) to establish expectations, gather data, learn about your goals culminating with a financial plan presentation and one-page plan dashboard to help organize your priorities and measure your progress.
Initial and ongoing financial planning discussions are primarily focused on cash flow & tax planning, life planning, business planning, savings goals, debt management, insurance reviews, trust & estate plan reviews. Investment advice can be provided based on risk tolerance and liquidity needs but Two Palms does not manage portfolios under the ongoing financial planning arrangement.
We meet at least 2-4 review meetings per year with reviews focused on urgent and/or seasonable topics. I am available 24/7 as needed between review meetings.
A fit for those who do not have significant investible assets but are in need of year-round planning aligned with their stated goals and ideal life.
Ongoing financial planning fees start at $7,999/year and are paid to Two Palms at the beginning of each quarter.
Option 3:
Project-Based Financial Planning
Do you want to manage self-manage your planning & investments but need a foundational financial plan first? Consider the Two Palms project-based financial planning engagement.
A series of meetings (typically 5-6) to establish expectations, gather data, learn about your goals culminating with a financial plan presentation and one-page plan dashboard to help you organize your priorities and measure your progress.
Items discussed include cash flow & tax planning, life planning, business planning, savings goals, debt management, insurance reviews, trust & estate plan reviews. Investment advice can be provided based on risk tolerance and liquidity needs but Two Palms does not manage portfolios under the ongoing financial planning arrangement.
A fit for Do-It-Yourselfers (DIYers) who wish to self-manage their planning after a one-time engagement.
Project-based financial planning fees start at $3,999.
Typical Client Meeting Calendar
Q1
Jan - Mar
Reexamine all financial plan assumptions
Discuss personal & business goals
Income/expense projections
Personal & business debt analysis
Gather relevant tax forms for filing
Plan for quarterly estimated tax payments if necessary
Q2 & Q3
Apr - Sept
Quarterly estimated tax tracking
Revenue & cash flow tracking
Evaluation of business & personal insurance coverage
Trust & estate plan review (every other year)
Q4
Oct - Dec
Year-end cash flow debrief & upcoming projections
Year-end tax plan opportunities: deductions, credits, & deferral strategies
Explore final tax-loss harvesting and rebalancing opportunities*
Investment performance debrief*
Year-round Planning
Business cash flow tracking
Projected vs. actual revenue and profitability analysis
Portfolio rebalancing*
Tax-loss harvesting in taxable portfolios*
* For investment management clients