SERVICES AND FEES

Financial Planning
Financial Planning is the process through which we help you identify your short and long-term financial goals, evaluate your current situation, and establish a course of action toward achieving your goals. This process can involve organization of your financial records, consolidation and streamlining of savings and investment accounts, analysis of need for various types and amount of insurance, analysis of the amount of annual savings required to fund retirement, education, or other goals, and discussion of estate planning and tax management concerns.

Investment Management
As part of the overall financial planning process, we provide investment management services. These services include the following:

  • Incorporation of your financial planning objectives into the development of an overall investment strategy that encompasses all of your financial resources.
  • Ongoing professional management of your liquid investment assets.
  • Periodic and year-end tax planning, including tax-loss harvesting, to maximize after-tax investment returns. Year-end reporting to ease tax return preparation.
  • Periodic meetings to review your financial plan and investment portfolio and to discuss your overall financial situation.
  • Access to institutional fund managers.
  • Frequent communication via e-mail and newsletter to keep you informed about financial planning opportunities, movements in the securities markets, etc.
  • Access to your financial advisor at your discretion.

H & Z charges an annual retainer for financial planning and investment management services. Fees are based upon the assets under management and are charged quarterly in advance according to the following schedule:

1.00% per year on the first $1,000,000 of assets under management, plus
0.75% per year on the next $2 million
0.50% per year on the next $2 million
0.35% per year on the next $5 million
0.25% on assets in excess of $10 million

The minimum annual retainer is $10,000. H & Z may, at our discretion, agree to work with clients on an hourly or project basis. Project fees are negotiable and based upon an hourly rate of $250.

Please contact Heather Hutchinson or Eric Ziegler at (415) 259-3933 to discuss whether we might be able to assist you with your wealth management needs. We'll briefly discuss your situation and, if appropriate, schedule an initial consultation in our offices.