Investment Management & Financial Planning Services

Financial Services

Imagine Financial Services (IFS) services are designed to take a holistic approach across all aspects of your financial life.  IFS  provides a clear process and guidance while helping to manage your resources so you can confidently pursue your goals.  Service options include both Investment Management and Financial Planning.

 

Investment Management

Investment Management is the management and maintenance of investable assets.  It encompasses both a short-term portfolio asset allocation placement based on factors like a clients risk tolerance and time horizon. It is also long-term portfolio maintenance including continued servicing, market reporting, balancing, and monitoring.  My client accounts are held in custodian at TD Ameritrade.

TD Ameritrade’s custodian services include account statements, annual tax forms, and an easy to navigate online portal available 24/7.  TD Ameritrade allows for account types including Traditional IRA, Roth IRA, SIMPLE IRA, SEP, 457 and 401(k) to name a few. 

I love to see women and young people begin to save for their financial future.  Accounts may be opened for a little as $500 with regular contributions as low as $75.  I believe everyone deserves an opportunity to get started with their retirement investments and the best time to start is today. 

Fees for Investment Management are based on account values also known as Assets Under Management (AUM)

AUM $500 - $125,000                   Annual Fee 1.5%

AUM $125,001 - $250,000            Annual Fee 1.25%

AUM $250,001 - $500,000            Annual Fee 1.1%

AUM $500,001 - $1,000,000         Annual Fee 1%

$1,000,001+                                     Negotiable

Financial Planning

Financial Planning is the alignment of your financial assets with what you say is important to you.

Financial Planning is a broad scope assessment of all financial resources a person has and how these resources can be aligned with their goals for the future. 

Financial Planning is a personalize approach that includes establishing a beginning Budget, Personal Balance Sheet, and Statement of Net Worth.  This allows for a high level view of where a person stands today.  Together we will work on your money diary (I feel this is a friendlier term than budget), management of debt, establishment of an emergency fund, and review other financial considerations like investments, estate planning, tax considerations, and risk management. which is intended to keep you in good financial health.  Together we will discover, determine and prioritize your goals for where you want to be in your financial life. 

Your IFS360 Financial Plan will become your documented visionary roadmap of what is important to you regarding your financial life, business/career, and Legacy.

 

Fees for Financial Planning services takes place over the span of 1 year or more depending on client needs:

INDIVIDUALS   $3000  Payable 30% ($900) upon initial signing & $190 per month (11 month commitment).

COUPLES           $4000  Payable 30% ($1200) upon initial signing & $255 per month (11 month commitment).

IFS360 process timeline
Based in San Diego, California. Available in person or virtually.

Marianne M. Nolte, CFP®

Imagine Financial Services is located in Fallbrook, California. Financial services can be performed virtually or in person.  We are not limited geographically.  Let me know what works best for you.  I believe in convenience for all parties.