Every­one should have a plan. How much money will I need for my children‘s edu­ca­tion? How much will I need to fund my retire­ment? How can I ensure that loved ones, not Uncle Sam, inherit as much of my estate’s assets as possible?

Some advi­sors include finan­cial plan­ning as one of their jus­ti­fi­ca­tions for charg­ing a per­cent of assets year after year. Those advi­sors are unlikely to tell you about good free finan­cial plan­ning tools, such as The Flex­i­ble Retire­ment Plan­ner or ES plan­ner*, that can be help­ful. More­over, if done right, a finan­cial plan needs only minor changes on an infre­quent basis. Our rec­om­men­da­tion is to go à la carte. For infre­quently used ser­vices like this, it is much more effec­tive to pay on an hourly or fixed price basis.

Wealth ManagementFor estate plan­ning, what you need is an estate attor­ney; to do it right, your finan­cial advi­sor plays only a sup­port­ing role.

* Nei­ther the Flex­i­ble Retire­ment Plan­ner nor ES Plan­ner are affil­i­ated with 3 factor LLC. We are not respon­si­ble for their ser­vices or their recommendations.

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(1) Analy­sis com­par­ing after tax per­for­mance of other advi­sors (or a self-managed, sophis­ti­cated investor) to 3 factor based on a glob­ally diver­si­fied port­fo­lio with a 60% equity, 40% fixed income allo­ca­tion. Ini­tial port­fo­lio val­ues assume the fol­low­ing: (a) $750k tax­able and $250k IRA with yearly addi­tions of $20k to tax­able account and $5k to IRA. (b)Taxes deducted via shares each April, assum­ing the high­est tax bracket for a Cal­i­for­nia investor. 

Past per­for­mance is not a pre­dic­tor of future performance.

3 factor has con­ducted exten­sive analy­sis con­cern­ing port­fo­lio per­for­mance. See “3 factor’s Method­ol­ogy and Invest­ment Risks” for details and dis­claimers regard­ing our state­ments con­cern­ing per­for­mance, and the var­i­ous assump­tions we have made in our analysis.