We have experience to give you informed ideas for your money and your future.
We work together with our clients, providing them with easy-to-understand recommendations and helping you implement them every step of the way.
We specialize in providing fee only wealth management and investment services and tax advice for clients seeking financial freedom and security.
SCHEDULE A FREE CONSULTATION
You likely have several financial planning pieces in place—you pay taxes, invest at least a portion of your savings, have some insurance, and maybe you have done some estate planning and retirement planning, but chances are each of these pieces was developed independently and at different times in your life. Is it any surprise then that you’re unsure if you’re on the right track and making all the progress you could be?
To be effective, financial planning needs to be coordinated. Each piece of the financial plan needs to accomplish its own specific tasks as well as support the tasks of each other piece. We call this life-integrated financial planning, and we are experts in this area. We’ll look at your entire financial picture and help you fit the pieces together properly.
| Starter | Professional | Professional+ | |||||
|---|---|---|---|---|---|---|---|
$50 / month | $100 / month | $250 / month | AUM over $300,000 | ||||
| 3 Hours/year | 5 hours/year | 12 hours/year | 12+ hours year | ||||
| ✔ | 401(k), 403(b), TSP Review | ✔ | 401(k), 403(b), TSP Review | ✔ | 401(k), 403(b), TSP Review | ✔ | 401(k), 403(b) and TSP Review |
| ✔ | Personal Finance Review | ✔ | Personal Finance Review | ✔ | Personal Finance Review | ✔ | Personal Finance Review |
| ✔ | Traditional & Roth IRA | ✔ | Traditional & Roth IRA | ✔ | Traditional & Roth IRA | ✔ | Traditional & Roth IRA |
| ✔ | Education Savings Custodial Accounts | ✔ | Education Savings Custodial Accounts | ✔ | Education Savings Custodial Accounts | ✔ | Education Savings Custodial Accounts |
| ✔ | Email Support | ✔ | Email Support | ✔ | Email Support | ✔ | Email Support |
| ✔ | Employee Benefits Support | ✔ | Employee Benefits Support | ✔ | Employee Benefits Support | ✔ | Employee Benefits Support |
| ✔ | Mid Year Check Up | ✔ | Bi-Annual Meeting | ✔ | 2-4 Meetings | ✔ | Social Security Planning |
| ✔ | Same Day Phone Support | ✔ | Same Day Phone Support | ||||
| ✔ | Self Directed Account Support | ✔ | Self Directed Account Support | ||||
| ✔ | Technical Analysis Support | ✔ | Technical Analysis Support | ||||
| ✔ | Trading Support | ✔ | Trading Support | ||||
| ✔ | Options Support | ✔ | Options Support | ||||
| ✔ | Kiplinger Personal Finance Magaizine Subscription | ✔ | Long Term Care Consideration | ||||
| Request Appointment with Advisor HERE | |||||||
| Add AUM to any plan | |||||||
*breakpoints Assets Under Management (AUM) $0-$100,000 $100,000 $250,000 $500,000 $1,000,000 $2,500,000 1.50% 1.25% 1.00% 0.85% 0.75% 0.50% |
What does your ideal life look like?
Do you know where your money goes each month?
Are you confident that you and your assets are adequately and properly insured?
Will you be able to retire with the lifestyle you want? Read more about Retirement Planning
Who is deciding what happens to everything you’ve accumulated when you die—you or the state?
Are you funding your child’s education at the expense of your future?
Up front charge starting at $500 and an ongoing fee that is paid monthly, in arrears, $50-$250 per month plus AUM as appropriate.
*Assets Under Management of $300,000 or more, Comprehensive Financial Planning Services are included in the Investment Management Fee (AUM Fee)
*Up front portion of the Comprehensive Financial Planning fee is for client onboarding, data gathering, and setting the basic financial plans. Fees for this service may be paid by electronic funds transfer or check.
Cobalt Wealth Management is strictly fee-only, meaning we get no commissions or financial incentives from any financial service provider. You can rest assured that when we make recommendations for specific products or services, we do so because we believe it to be in your best interest.
Subscription Based Fees: Cobalt Wealth Management does not require a minimum portfolio size to work with you. If you have solid earnings, little/no assets (not yet rich), complex needs, and the desire for proactive wealth management, we offer ongoing planning based on a monthly subscription fee ranging from $50 to $250 per month.
We give you comprehensive financial planning. We review all your accounts, your insurance policies, your employer retirement plans, your estate planning, your college funding, your retirement projections. We recommend a portfolio allocation based on your risk tolerance and goals. We transfer your accounts to our custodian TD Ameritrade. We reallocate, and we rebalance. We meet with you 2-4 times a year to review your investment performance and do those planning tasks. You receive quarterly performance reports whether or not we meet in that quarter.
We offer a broad range of portfolio management and financial planning solutions customized for your specific needs, goals, and life stage. We apply a clear, well defined and objective process. Below is a cross-section of wealth management issues that our clients commonly encounter.
We succeed by providing excellent client service and expert advice to individuals, families, and businesses in many facets of investments and financial planning.
We honor our fiduciary duty above all, and practice full disclosure, due-diligence, and client communication. We work in a collaborative atmosphere with our clients, with whom we reach mutual agreement on every phase of the financial planning process.
Allow us to become a trusted partner and guide to be available and to provide insightful advice to enable you to make informed financial decisions.
We maintain the highest ethical standards. This is always reflected in our advice and actions.
We combine expertise and experience to give each client the close personal and professional attention he or she deserves.
We know that time is a luxury for successful professionals who are focused on career and family. We help free up your time by managing the details of your financial life. Common questions include:
Professionals nearing retirement are many times too busy to do in-depth retirement planning. We work with professionals to make sure all areas of retirement planning are addressed, especially focusing during this phase of their lives on the accumulation of adequate wealth for a comfortable, worry-free retirement.
The transition into retirement can be overwhelming. Furthermore, every insurance agent and broker seems to want to sell you a high-priced annuity loaded with hidden fees and surrender charges. We work with clients to make this transition intelligently over time, using low-cost no-load investments. We also help with the many decisions faced by a retiree.
We develop tailored solutions to help our clients work towards their financial goals. Our focus encompasses the Accumulation, Protection and Transferring of your wealth to future generations to meet your family’s objectives.
Retirees often discover a whole new set of questions about their finances and investments. We provide the resources and guidance so you can feel confident about this next phase of life. Common questions include:
Have I accumulated enough money so I don’t outlive it?
Can I afford the lifestyle I want to live?
How should I position my portfolio in retirement?
Do I need to update my estate plan?
Should I withdraw from my IRA or taxable investment accounts first?
TSP review and planning. Getting out assistance and career changes.
The needs of each business owner are unique. We create an environment that allows you to focus solely on the growth and security of your business. Our wealth management solutions are designed to integrate both your personal and business financial needs via a customized plan to maintain the strength of your business and to work towards personal financial security.
In addition, many small businesses have the desire but lack the skill and time to find ways to help their employees prepare for retirement successfully. We work with countless business owners in providing retirement plan services, risk management consulting, succession planning and estate planning.
What does Fee-Only mean?
Fee-only advisors get paid for the advice and guidance they provide. They do not receive commissions, nor do they sell products. The client – and the client’s needs – are at the center of the relationship, not some firm the advisor represents or the products the firm sells.
What are Subscription Based Fees vs AUM (Assets Under Management): Cobalt Wealth Management does not require a minimum portfolio size to work with you. If you have earnings, little to no investable assets, complex needs, and the desire for comprehensive wealth management, we provide ongoing planning based on a monthly subscription fee ranging from $50 to $250 per month.
While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.
The client center provides our client’s secure access to their financial accounts, financial plans, and reports. If you find you need assistance with any of these sites, please contact our service team, and we will be happy to assist you.
This is TD Ameritrade's specialized site for Advisory Clients. This site is used to access your monthly statements, investments, trade confirmations, and year-end 1099 tax forms. Please click on the button below to go to access your account.
This site is used to access your online financial plan. Here you can check your progress toward your goals, check on your spending, update your accounts or securely share personal documents with the document vault. Use the button below to access your financial planning portal.
Cobalt Wealth Management: Right Capital Financial Plan Client Login
