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 you manage your resources so you can confidently pursue your goals. Service options include both Investment Management and Financial Planning.
Investment Management
INVESTMENT MANAGEMENT: Investment Management is the management and maintenance of investable assets.
Investment Management encompasses both a short-term portfolio asset allocation placement based on a client's risk tolerance and time horizon and long-term portfolio maintenance, servicing, balancing, and performance reporting.
Investment accounts are held in custodian at TD Ameritrade which is merging to Charles Schwab by 2023. The custodian TD Ameritrade and eventually Charles Schwab, provide account statements, annual tax forms, and an easy-to-navigate online portal access available 24/7.
I love to see women and young people begin to save for their financial future. Therefore, accounts may be opened for a little as $500 with regular contributions as low as $75. 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: The IFS360 Financial Plan is the alignment of your financial assets with what you say is important to you.
Financial Planning is a broad scope assessment of all your financial resources and how these resources can be aligned with your goals for the future.
The starting point in creating your IFS360 Financial Plan includes establishing a current Budget, Balance Sheet, and Statement of Net Worth which provides a high-level view of where you stand today. With a clear focus regarding your money diary/budget, we move to the management of debt and the establishment, growth, and maintenance of an appropriate emergency fund. Next, we review other financial considerations like investments, estate planning, tax considerations, and risk management. Together we discover and prioritize your goals for where you want to be in your financial life now and how your assets align with these goals over time.
Your IFS360 Financial Plan will become your documented visionary roadmap of what is important to you regarding your financial life, business/career, and Legacy.
INDIVIDUALS - $3500 annual. Payment options include 5 months or 12 months of engagement.
- 5mo: $2200 upfront and $325 per month for the next 4 months.
- 12mo: $1200 upfront and $209 per month for the next 11 months.
COUPLES - $4000 annual. Payment options include 5 months, 12 months of engagement.
- 5mo: $2500 upfront and $375 per month for the next 4 months.
- 12mo: $1500 upfront and $228 per month for the next 11 months.
Billing and payment services through AdvicePay.
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.