financial advisor san diego
Financial Advisor

Marianne M. Nolte, CFP®

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

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.

Investment Management

Investment Management services include Traditional IRA, Roth IRA, SIMPLE IRA, SEP, 457 and 401(k) accounts.  Separate from Financial Planning, the focus is related to:

  • Investment selection based on your risk tolerance and time horizon
  • Asset allocation
  • Market analysis and associated portfolio trades and  rebalancing

Investment Management fees are based on 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 incorporates analysis and recommendations regarding your current investments, retirement goals, estate documents, risk management, and tax strategies. Do you have questions about retirement planning concepts, college funding, life insurance or long term care insurance?  Imagine Financial Services can help.  Financial Planning incorporates budgeting, reorganizing, and recommendations to create your customized financial roadmap.

Financial Planning fees are project based at $2100 or $3600 annual and billed monthly at $175 or $300. 

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

Welcome to the Imagine Financial Services IFS360 Plan.

The IFS360 Plan, is a one year commitment to a collaborative financial planning process.  IFS360 Plan provides a holistic framework outlining your resources and how they can be efficiently and effectively utilized to help you achieve your goals in the near and distant future.  IFS360 Plan will become your documented visionary roadmap of what is important to you regarding your financial life, business/career, and Legacy.

Implement recommendations
Present recommendations
Understand clients personal and financial circumstances
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Develop recommendations
Identifying goals
Analyze current course of action and potential for alternative course