Customized Financial Planning Services for Apple Employees
Are you an Apple employee who has:
Received equity as part of your total compensation, but you haven’t developed a plan for how and when to turn those shares into actual dollars?
Seen your annual tax bill going up, even as Federal tax rates have come down?
Wondered whether you are on track to retire, but you’re not sure how much you’ll actually need to have saved?
Accumulated accounts at multiple different brokerages and have no clue how to make it all work together?
If any of this sounds familiar, then it’s time to experience a different approach to wealth management.
(Apple employees receive 20% off annual financial planning fee)
Your financial plan should be as unique as you are.
Take a look at our planning process in the video below.
Here’s How We Can Help:
Our five-meeting onboarding process is designed to help you identify your financial priorities, rank them, and assign a dollar value to each of them. Then, we go to work developing a step-by-step financial action plan designed to help you achieve them.
We perform an in-depth review of your important financial documents, such as W2s, tax returns, investment statements, equity compensation agreements, insurance contracts, mortgage statements, workplace benefits, etc. We then provide you with a detailed list of observations and recommendations based on our findings.
We incorporate all of a household’s accounts into the planning process to ensure each piece of our client’s financial life is working in concert with the other.
We incorporate tax preparation and estate planning services into the overall financial planning process to ensure you are receiving consistent advice across the board.
What Do We Charge?
Annual Financial Planning Fee Structure
Portfolio size refers to all accounts over which Capital Area Planning Group, LLC has discretion. These typically include brokerage accounts, trusts, IRAs, small company 401(k)s, and 529s.
Our services are best suited for those with investible assets of at least $1,000,000.
Fee tiers are applied proactively. For example, a household that starts at $800,000 and grows to $1,000,000 will receive and lock in the lower fee once the threshold is crossed.
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FOR INDIVIDUALS
For an individual, the total annual fee payable under the Standard Financial Planning Services arrangement is $7,500. This fee may be paid in full at any time. However, only the upfront fee of $1,999 is payable upon the client's signed execution of the financial planning agreement. The remainder shall be payable monthly in eleven (11) equal installments of $499.
FOR COUPLES
For a couple, the total annual fee payable under the Standard Financial Planning Services arrangement is $10,000. This fee may be paid in full at any time. However, only the upfront fee of $1,999 is payable upon the client's signed execution of the financial planning agreement. The remainder shall be payable monthly in eleven (11) equal installments of $729.
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For any financial planning clients wishing to also hire Capital Area Planning Group for investment management, we charge a flat 0.50% annual fee on any assets under our management.
Example: $100,000 x 0.50% = $500
A financial planning client who wishes to also have us manage their $100,000 IRA would see an asset management fee of $125 billed to their account quarterly.
Who might prefer this alternative fee structure?
Business owners who prefer to pay for financial planning through their operating account.
Someone whose company reimburses them for the cost of financial planning as an executive benefit.
Anyone who hasn't yet accumulated enough in investible assets to reach the firm's $1,000,000 minimum
Why Capital Area Planning Group?
With a deep understanding of the unique personal and financial challenges facing high-net-worth individuals and families, we provide customized financial planning strategies that are designed to help ensure our clients grow and preserve their wealth over time.
Our expertise includes retirement income planning, investment portfolio development, strategic tax planning, estate and legacy planning, insurance planning, equity compensation and other executive benefits. We leverage that expertise to help senior leaders make sense of some of the most complex financial situations that working professionals tend to face.
In short, we act as a thinking partner for our clients who seek to understand the best ways to save, spend, and invest their resources on the way to reaching their financial independence goals.
Schedule a Complimentary Consultation
