Investment Management Services
Investment Management
Investment Management is for those who prefer a hands-off approach to managing investments. We will work together to create a plan to manage your portfolio based on sound research.
Investment Management
For clients who prefer delegating the management of their portfolios, Boise River Financial Planning offers ongoing investment management services. Many clients find benefit going through the project based financial planning process before proceeding to investment management services.
We will work together to establish an Investment Policy Statement (IPS) to guide your investment decisions. This policy is based on your preferences and needs for your investment portfolio. Boise River Financial Planning will then manage the portfolio on your behalf at a custodian.
To ensure integrity in the process, Boise River Financial Planning never has custody of client assets. Your portfolio assets are always held at a separate custodian (such as Charles Schwab). The custodian will provide you with online access and monthly statements directly to you. This arrangement simply authorizes Boise River Financial Planning to initiate trades on your behalf.
Pricing for Investment Management is a base charge plus an annual charge calculated on a percentage of the assets under management in the portfolio.
Base Annual Account Fee
$1000 to $3000
Plus
Assets Under Management Fee
0.50% under $1m
0.40% over $1m
Example: A client who has a single individual retirement account with assets of $500,000 would pay a base charge ($1,000) plus the asset under management fee (0.005% X $500,000 =$2,500) for a total of $3,500 annually.
Investment Management – What to Expect
Step 1
Discuss Investment Options and Investment Strategy
Contact Boise River Financial Planning directly or schedule a call for a no obligation meeting to learn how Boise River Financial Planning can help you manage your investments. We will share our investment philosophy and discuss how proper diversification, low-cost investing and risk management can affect returns.
Step 2
Create a Personalized Plan
Together we will create your Investment Plan Statement that will guide how your portfolio is managed. This will reflect your investment goals and preferences and include your investing parameters. The strategies behind your portfolio will be based on sound research.
STEP 3:
Establish your Portfolio
We establish your accounts at a carefully selected custodian (such as Charles Schwab). Your personalized investment plan will be implemented according to your specifications.
STEP 4: And BEYOND
Account and Investment Management
Boise River Financial Planning will regularly review your investments. Additionally, we will rebalance the investments in the accounts as required to align with the Investment Policy Statement.