Wealth Management for Busy Professionals
Delegate with Confidence. Reduce Decision Fatigue.
Explanation of Services
What Do I Do
I provide ongoing financial planning, risk management and investment management for busy professionals and owners looking to delegate responsibility to a trusted financial professional.
Why Is This Important
As clients’ wealth grow, so do the complexities and nuances of financial decisions that have to be made. Many clients simply do not have the time, skill, or desire to manage those decisions on their own.
What Is the Impact
The impact of my service is found in the amount of time, money, costly mistakes and missed steps I save clients by taking on the responsibility of financial management.
“…like a weight being lifted off of my shoulders.”
Instead of worrying about their finances, clients can focus more time and attention on other areas of life, with clarity and peace of mind.
ACCOUNT PROTECTION
Assets under management are custodied with Charles Schwab, a member of the Securities Investor Protection Corporation (SIPC). Schwab offers additional asset protection provisions. Visit Schwab.com to learn more.
Professional Management of Assets
FIDUCIARY RESPONSIBILITY
FMSA, a registered investment adviser is a fee-only advisory firm. Representatives of FMSA (like me) offering Financial Management, Planning, and other advisory services are held by a fiduciary responsibility to put client’s interests first.
INVESTMENT PROCESS
We focus on quality, value, and the fundamentals of business.
We don’t gamble, nor speculate.
Our advice and guidance are rooted in fact and objectivity.
Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or any of its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested
Main Areas of Work
Investment Management
Customized Portfolio Construction and Oversight
Asset Management; Rebalancing; Volatility Management; Allocation
Research and Analysis
Offering both Individual and Business-owned Accounts: Cash, Retirement, Brokerage
Professional Management of 401(k), SIMPLE IRA, SEP, Etc.
Alternatives, Mutual Funds/ETFs/Index, Individual Stocks and Bond Positions, Derivatives, and more
Risk Management
Business-owned Life Insurance, Key-man Disability and Life insurance, Overhead Expense Insurance, buy-sell insurance
Employee Retention and Attraction Benefits Planning (Golden Handcuffs)
Offering ICHRA, Health Savings Accounts, and 401(h) Plans
Individually owned Life Insurance, Health Insurance (marketplace), Disability Insurance, Chronic Illness and Long-term Care
Indexed Annuities and more
Financial Planning
Retirement Planning and Social Security Maximization Planning
Concentrated Stock Position Liquidity and Tax Planning
Roth Conversions and Required Minimum Distribution Planning
Income Tax, Asset Location and Capital Gains Tax Planning
Business Ownership Transition Planning and Retirement Involving the Sale of a Business
General Financial Planning and Planning for Liquidity Events
Asset-Backed Lines of Credit through Charles Schwab
𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘺, 𝘱𝘭𝘢𝘯𝘯𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘸𝘦𝘢𝘭𝘵𝘩 𝘮𝘢𝘯𝘢𝘨𝘦𝘮𝘦𝘯𝘵 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘔𝘢𝘯𝘢𝘨𝘦𝘮𝘦𝘯𝘵 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧 𝘈𝘮𝘦𝘳𝘪𝘤𝘢 𝘓𝘓𝘊 (𝘍𝘔𝘚𝘈), 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳 (𝘙𝘐𝘈). 𝘍𝘔𝘚𝘈 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘵𝘢𝘹 𝘰𝘳 𝘭𝘦𝘨𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘝𝘪𝘴𝘪𝘵 𝘩𝘵𝘵𝘱𝘴://𝘸𝘸𝘸.𝘮𝘺𝘧𝘮𝘴𝘢.𝘤𝘰𝘮/𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘵𝘰 𝘭𝘦𝘢𝘳𝘯 𝘮𝘰𝘳𝘦. 𝘈𝘥𝘥𝘪𝘵𝘪𝘰𝘯𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘢𝘣𝘰𝘶𝘵 𝘍𝘔𝘚𝘈 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘷𝘢𝘪𝘭𝘢𝘣𝘭𝘦 𝘢𝘵 𝘸𝘸𝘸.𝘢𝘥𝘷𝘪𝘴𝘦𝘳𝘪𝘯𝘧𝘰.𝘴𝘦𝘤.𝘨𝘰𝘷. 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴 𝘢𝘯𝘥 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵-𝘳𝘦𝘭𝘢𝘵𝘦𝘥 𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘴 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘍𝘋𝘐𝘊 𝘐𝘯𝘴𝘶𝘳𝘦𝘥, 𝘰𝘧𝘧𝘦𝘳 𝘯𝘰 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦, 𝘮𝘢𝘺 𝘭𝘰𝘴𝘦 𝘷𝘢𝘭𝘶𝘦, 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘣𝘢𝘯𝘬 𝘥𝘦𝘱𝘰𝘴𝘪𝘵𝘴, 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘣𝘢𝘤𝘬𝘦𝘥 𝘣𝘺 𝘢𝘯𝘺 𝘨𝘰𝘷𝘦𝘳𝘯𝘮𝘦𝘯𝘵. 𝘍𝘪𝘹𝘦𝘥 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘴 𝘮𝘢𝘥𝘦 𝘢𝘷𝘢𝘪𝘭𝘢𝘣𝘭𝘦 𝘣𝘺 𝘑𝘪𝘮𝘮𝘺 𝘙𝘢𝘺, 𝘢 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘱𝘳𝘰𝘧𝘦𝘴𝘴𝘪𝘰𝘯𝘢𝘭. 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘢𝘳𝘦 𝘶𝘯𝘥𝘦𝘳 𝘯𝘰 𝘰𝘣𝘭𝘪𝘨𝘢𝘵𝘦𝘥 𝘵𝘰 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘦 𝘯𝘰𝘯-𝘢𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘴 𝘰𝘳 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴.What You Will Receive
FOUNDATIONAL PLANNING
[ < $749,999 in Assets]
Services Include:
Investment Management; Implementation; Financial Advice; Insurance Needs Analysis; Retirement Advice (cash flow, debt payoff, homebuying, large purchase, employee benefits, career and life planning); Business Planning (key-man and buy-sell)
Meeting Frequency:
Annual Reviews + Ongoing Support
Best For: Low Complexity
ADVANCED PLANNING
[$999k—$4.9M in Assets]
Services Include:
FOUNDATIONAL PLANNING
+ Portfolio Customizations; Health and Longevity Planning (Long-term Care); Year-round Tax Planning (e.g., income and capital gains, business structuring, retirement income maximization, charitable gift, Etc.); Asset-backed Lending Solutions
Meeting Frequency:
Annual Reviews + Ongoing Support
Quarterly Reviews (as needed)
Best For: Moderate Complexity
COMPREHENSIVE PLANNING
[$5M+ in Assets]
Services Include:
FOUNDATIONAL PLANNING
ADVANCED PLANNING
+ Full Wealth Management; Comprehensive Financial Planning; Exit Planning and Liquidity for business owners; Estate Tax and Family Wealth Planning; Multigenerational Planning; Additional Business Planning Services
Meeting Frequency:
Annual Reviews + Ongoing Support
Quarterly Reviews (as needed)
Monthly Check-ins (as needed)
Best For: Extreme Complexity
Explanation of Advisory Fees
Assets Held Under Management Fee Structure
FMSA’s advisory fees range between 1%—2.50%, based on the amount of invested assets held under management and client complexity levels. Advisory fees are charged on a quarterly basis in arrears.
I exclude cash, cash equivalents, and personal property from “invested assets.”
Example Scenario:
If you had $1,000,000 of invested assets with me and the advisory fee was 1.25% per year, your estimated cost per annum would be $12,500 ($1 million x 1.25% = $12,500)
That’s $3,125 per quarter ($12,500 / 4 quarters = $3,125)
Minimum Assets Held Under Management Requirements
There are no minimum asset requirements to invest with me.
Financial planning offered proportionately with client complexity and assets under management amounts.
