Advice-Only Financial Planning

Advice-Only Financial Planning

Professional Financial Guidance. Your Investments Remain Under Your Control.

Not everyone needs or wants a financial advisor to manage their investment accounts. At Alber Asset Management, our Advice-Only Financial Planning service provides access to personalized financial guidance while allowing clients to maintain control of their existing investments.

Starting at $200 per month, this service offers comprehensive financial planning, personalized recommendations, and an ongoing advisory relationship without requiring clients to transfer their investment assets.

Led by a CERTIFIED FINANCIAL PLANNER™ professional who is also an IRS Enrolled Agent, our practice emphasizes a coordinated approach to retirement planning, investment recommendations, tax-aware strategies, insurance considerations, and estate planning coordination.

Comprehensive financial planning should be accessible without requiring investment management.

Comprehensive Financial Planning Without Investment Management

Our Advice-Only Financial Planning service provides many of the same planning resources available through our traditional wealth management relationships. The primary difference is that you retain responsibility for managing your investment accounts and implementing investment recommendations.

We work with you to evaluate the different aspects of your financial life, develop personalized strategies, and provide ongoing guidance as your goals and circumstances change.

What's Included in Advice-Only Financial Planning?

Retirement & Income Planning

Evaluate retirement readiness, Social Security claiming strategies, pension options, retirement account distributions, and long-term income needs.

Investment Portfolio Reviews & Recommendations

Review your existing investment accounts, asset allocation, diversification, risk exposure, and investment objectives. Receive recommendations while maintaining control of your investment accounts.

Tax-Aware Financial Planning

Consider the potential tax implications of financial decisions, including Roth conversion opportunities, required minimum distributions, and retirement withdrawal strategies.

Insurance & Risk Management

Evaluate existing life insurance, long-term care coverage, and other protection needs as part of your overall financial plan.

Estate & Legacy Planning Coordination

Review beneficiary designations, wealth transfer objectives, and estate planning considerations, with access to additional estate planning resources where appropriate.

Cash Flow & Financial Decision-Making

Evaluate savings, spending, debt management, major purchases, and other decisions that may affect your long-term financial goals.

Personalized Guidance. Ongoing Support. Your Investments Remain Yours.

Our Advice-Only Financial Planning service is designed for individuals and families who value professional financial guidance but prefer to maintain responsibility for managing their own investment accounts.

Rather than providing a one-time financial plan, we establish an ongoing relationship focused on helping you navigate important financial decisions as your circumstances evolve.

Quarterly Financial Planning Reviews

We offer quarterly planning meetings to review your financial progress, evaluate investment recommendations, discuss potential planning opportunities, and make adjustments to your financial strategies as needed.

Ongoing Access & Communication

Between scheduled reviews, clients have access to our team through phone and email to discuss questions, financial decisions, and changes in their personal circumstances.

Client-Directed Investment Implementation

We review existing investment portfolios and provide recommendations regarding asset allocation, diversification, and investment strategies. Clients retain their investment accounts and remain responsible for executing trades, rebalancing portfolios, and implementing investment recommendations.

You maintain control of your investments while gaining an ongoing financial planning relationship.

Comprehensive Financial Planning. Transparent Monthly Pricing.

Our Advice-Only Financial Planning service is offered through a monthly planning fee, beginning at $200 per month.

Rather than charging a percentage of your investment assets, our planning fees are based on the scope and complexity of your financial situation and the services provided.

This approach allows clients to receive comprehensive financial guidance without transferring their investment accounts or engaging Alber Asset Management to manage their assets.

What's Included in Your Planning Relationship

Your monthly planning fee includes the agreed-upon financial planning services, quarterly financial planning reviews, and ongoing access to our team through phone and email.

Personalized Pricing

Monthly fees begin at $200 and may increase depending on the complexity of your financial situation, planning needs, and scope of services. We discuss the applicable fee before beginning an advisory relationship.

You pay for professional financial guidance—not for the amount of money you have invested.