Planning

Personal Financial Planning

Retirement, first home, college for the kids, they all need a plan…

Investing

Investment Advice

401k, IRAs, mutual funds, where do you start? I'm here to help…

Taxes

Tax Preparation

Applied Advisor is a full service planning firm— taxes too…

Tax Preparation

Client Links

Links for Current Clients

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Advice by the Hour

Kathy Hentges, CFP®'s hourly rate is $210 per hour for most services. Total cost depends on the scope of the work performed, the minimum charge for all projects is $210. This type of fee structure is known as fee-only financial planning— meaning no commissions or percentage of assets managed are earned.

The complexity of your financial situation determines the time needed to appropriately answer your questions or provide recommendations. Certain factors may increase the time involved in preparing the plan such as spouses or partners (married or not) that do not combine finances, small business owners, multiple sources of income (rental, pension, etc.) a large number of investment holdings or a large number of choices (more then 20 not including multiple target date funds) in your 401k.

You will receive a cost estimate specific to your circumstances prior to engaging Applied Advisor. The estimates provided here are samples to help you get a general idea of the costs involved and are not a specific offer of any service. Sample prices are current as of January 1, 2017 and are subject to change without notice. The cost during the first year we work together will generally be the highest. Once a plan is in place updates and small adjustments will take less time than establishing the initial plan and therefore cost less.

The price ranges below are determined in part by marital status, complexity and number of accounts and completeness (and legibility) of information provided. They are typical fees, it is possible you will have a uniquely simple or complex situation that may require a lower or higher price.
Net Worth Check-up
This is a high level analysis of your current financial health with the primary focus on retirement, savings rate, savings vehicles and debt pay down. It is a very basic financial review, but it provides an opportunity to address immediate financial problems. Upon completion you will receive your current financial statements along with a checklist of action items to help improve your financial health. If desired this type of project can grow into a full financial plan later on. Investment advice is not included, but can be added later.
Fees range from $630 to $840. View Sample Projects
Investment Planning
You have goals, but how should you invest your money? Have you made good choices so far? Do you have the right investment mix? Investment planning can be used as a stand-alone engagement or combined with a financial plan. Applied Advisor does not offer portfolio management— your money stays in your accounts. Your advisor recommends what to buy, what to sell— it's up to you to do the buying and selling. Upon completion of an investment plan you will receive an analysis of your current portfolio and an action plan to create a well diversified portfolio.
Fees start at $420. View Sample Projects
Goal Based Financial Plan
This type of plan provides the context for answering your financial questions without going line-by-line through your budget. You tell me your goals, I'll tell you how to get there. Upon completion you will have a clear sense of your current financial health, understand if you are on track to meet your goals and your most important questions will be answered within the framework of your overall financial life. Investment advice is not included, but can be easily added later.
Fees range from $850 to $2,000. View Sample Projects
401k Plan Advice
Over the last thirty years the responsibility for your retirement has shifted from employers to you. Are you comfortable handling that responsibility on your own? You know you need to save for retirement, but do you have good choices in your 401k? Have you made good choices so far? Do you have the right investment mix? Upon completion of a 401k plan you will receive a professional analysis of your current 401k and an action plan utilizing the best options available in your plan.
Fees range from $420 - $840 View Sample Projects
Cash Flow Based Financial Plan
A cash flow based plan is a good choice for people in or near retirement. As with a goal based plan your questions are answered, but there is an emphasis on cash flow and budgeting. Upon completion you will receive a financial plan that illustrates where you are now, where you would like to go and a step-by step plan to get there. Investment advice is not included, but can be added later.
Fees range from $1,200 to $2,000. View Sample Projects
Focused Planning Needs
Some people just need a focused plan for eliminating credit card debt, or perhaps just end of year tax planning, or maybe help deciding if that house in Noe Valley will fit into the budget. Maybe you need someone to explain the difference between a Roth 401k and a Traditional 401k and which one is best for you? No problem, limited, focused projects are welcome.
Fees range from $210 - $630. View Sample Projects
Disclosures
Advisor is a California Registered Investment Adviser. Financial planning, tax preparation, and primary client contact is provided by Kathy Hentges, CFP®, founder and principal of Applied Advisor LLC (dba Applied Advisor). All written content on this site is for informational purposes only. Material presented is believed to be from reliable sources and no representations are made as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Sample reports are for illustration only and do not represent actual plans or recommendations. Fee-only financial planning and investment advisory services are offered through Applied Advisor, a registered investment advisory firm. The presence of this Website on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state(s) in which Applied Advisor is registered (Registered Investment Advisors are legally empowered to provide investment advisory services only to residents of the states in which they are registered). The purpose of this website is for information distribution of our services. Kathleen Hentges, CFP® is a California Registered Tax Preparer, C.T.E.C. Number A103130. A surety bond is maintained with State Farm Insurance.