Fee-Only Financial Planning
Your financial plan is the first step towards optimizing your future. We begin the process with a confidential questionnaire to help you think about issues such as:
- When can I retire and how much can I spend in retirement?
- How much do I need to save for my children’s education?
- What type and how much life insurance do I need?
- How should I invest my 401(k)?
- Will my heirs be subject to estate taxes?
- Should I refinance my mortgage?
- How can I minimize my tax liability?
- Should I buy or lease my new car?
After we have discussed your goals, we deliver a written financial plan that acts as a road map to your financial future. Financial planning is not a one-time event, therefore we will work with you to implement the strategies needed to achieve your objectives.
Upon the completion of an initial complimentary consultation, our financial planning service is billed at $200 per hour. A fixed fee will be quoted at the beginning of each engagement.
Portfolio Management
Given today’s technology and access to information, the financial markets have become exceedingly efficient. Sanchez & Zures embraces this efficiency with our approach to your portfolio. We employ an optimized asset allocation strategy that utilizes exchange-traded funds (ETFs), Dimensional funds (DFA) and individual fixed income securities. Our focus is on superior long-term performance, low expense ratios and skillful tax management.
Portfolio management includes ongoing rebalancing based on fluctuating capital market assumptions and monthly customized reporting. Management fees are:
| Assets Under Management | Annual Fee |
| First $0 to $1,000,000 | 1.00% |
| Next $1,000,001 to $3,000,000 | 0.75% |
| Next $3,000,001 and up | Negotiable |
Tax Preparation
Sanchez & Zures, LLC prepares federal and state tax returns for individuals. Once we have reviewed the prior year’s tax return, a fixed fee quote is given based on our hourly planning rate of $200. There is a minimum fee of $500 for our tax preparation service.