At Birch Investment Management, we offer comprehensive wealth management. Through our four-step process, we help clients identify their goals, clarify, their values, and build a unique-to-them financial plan that puts them on the path to their unique definition of success.
Our Investment Philosophy
Simplifying Your Financial Life
Our primary goals with our ongoing wealth management clients are to demystify their investment management and to align their portfolios with their goals.
We strive to build portfolios and ongoing investment plans that meet the goals of our clients. We don’t try to time the market, and instead, focus on long-term planning and strategy.
In our wealth management program, we prioritize:
- Diversification
- Asset location
- Minimizing costs
- Tax-efficient planning
- Long term strategy
Step One:
Discovery
We believe in building a financial plan that’s completely unique to you. During our discovery process, we’ll dig into your financial pain points, retirement timeline, and more to gain a comprehensive understanding of your financial situation.
Step Two:
Clarify Your Goals and Values
Your life is unique - shouldn’t your financial plan be, too? Our job is to help you dig deeper to clarify your goals and values. From there, we can help you to determine how your finances can align with those things to help you build a fulfilling lifelong strategy for both now and in the future.
We’ll cover:
- Cash flow
- Savings
- Risk management and estate planning
- Retirement planning
- Investing
- Debt management
- Education savings
- And more.
Step Three:
Building Your Plan
Once we’re clear on where you currently stand, and where you want to go, our team will get to work building your individual, comprehensive financial plan. Our plan will leave no stone unturned in addressing your financial pain points and moving you down the path toward your goals.
Step Four:
Ongoing Monitoring & Accountability
Although we do offer one-time financial plans, the majority of our clients move to the next step in our process: ongoing monitoring and accountability. Through our wealth management services, we offer ongoing investment management and financial advice. We truly walk alongside our clients as a sounding board, trusted advisor, and friend. In our ongoing engagements, we’re able to help our clients both manage their portfolios and answer questions as they navigate life’s many twists and turns.
Why Fee Only?
As a fee-only financial advisor, We are committed to only being compensated by our clients. In other words – we don’t accept fees or commissions from the sale of financial products. We're only paid by our clients, which eliminates potential conflicts of interest. We are also bound by the fiduciary standard, a legal obligation to always put the interest of our clients above our own. We take these obligations very seriously. It’s an honor to work with our clients and to build lifelong relationships. This fee structure allows us to continually work in a way that’s truly best for them.
Ongoing Wealth management:
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Assets under Management
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Tiered Annual Fee
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First $1,000,000
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1.00%
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Next $2,000,000
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0.50%
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Amounts above $3,000,000
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0.25%
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Comprehensive Financial Planning:
Our Financial Planning solution provides a holistic view of your finances. Ongoing Wealth Management clients with over $500,000 in investable assets receive Comprehensive Financial Planning at no additional cost. On a limited basis, we offer one-time financial planning. Pricing is based on complexity and the time involved. Typically the cost will range between $2500 and $5000.