Services and Fees

Tailored support without hidden costs

Services for Technology Leaders

Financial Planning and Goal Setting
Customized Company Stock Management Plans
Investment Advice, Implementation, Management & Reporting
Tax-efficient Investing
Coordination and partnership with Tax accountants and Estate Lawyers

Risk Management and Asset Protection planning – Insurance Analysis
Retirement Planning and tax-efficient retirement income distribution
Company Benefits Optimization Plan
Job Offer Assessment and Negotiation Consulting
Education Planning (HS & College)

Services for Entrepreneurs and Founders

Technology Leader Services above, plus CFO advisory

Business Valuation Consulting
Employee benefits
Business Modeling

Acquisition Prep and Deal Structure Consulting
Corporate tax strategy
Coordination/Partnership with company CPA

How I Support Clients

Planner

I can structure and support the goals you have for you, your business, and your family. We can create a strategy and chart a path that improves the probability of reaching those goals.

Personal CFO

Everyone can benefit from having their own “CFO” – I have decades of financial and investment experience from working with tech companies of all sizes. You can use me to advise on all aspects of your financial life.

Delegate

Most of my clients rely on me to execute and evolve the plan we create. Once you plant the garden, you have to tend to it.

Ideas & Products

Your advisor should present you with ideas that are new to you, that you can’t necessarily access as a retail investor, and that are designed to address your specific situation and goals.

What is “Agile Financial Planning”?

Pillars of an Agile Process

Prioritization – what are the key issues we need to address immediately? First things first – quick value is inspirational and motivating.

Progress in “bite-sized” chunks – plans broken into small, prioritized pieces get done. Huge undertakings get delayed or abandoned.

Collaborate – to be meaningful and personal, both advisor and client should “lean in”.

Iterate – The plan will evolve as we dig in and follow the process.

Continuous Improvement – you, your reality, and your goals will certainly change. Planning is an ongoing exercise.

Simple Pricing

As a fiduciary, I charge by the project and by asset management fees. I do not receive nor accept commissions.

Financial Planning

INITIAL FINANCIAL PLANS (FIRST YEAR)

Individuals – $3,000+

Couples – $4,000+

ONGOING FINANCIAL PLANNING^* (AFTER FIRST YEAR)

Individuals – $2,000+ (per year)

Couples – $2,500+ (per year)

*No ongoing financial planning fee if the client has Assets Under Management with Prospero

FINANCIAL PLAN UPDATES

Individuals – $3,000+

Couples – $4,000+

Asset Management Fees

This is where Prospero manages your portfolio of investable assets for you through our preferred brokerage firm (Fidelity).

Blended Tier Fee	Value of Assets under Management (AUM)
1.0%	< $1,000,000
.9%	> $1,000,000
.8%	> $2,000,000
.7%	> $3,000,000
.6%	> $4,000,000
.5%	> $5,000,000

*Complexity is driven by situations such as owning a business, rental properties, complex student loan repayment plans, large concentrated portfolios, complex tax or estate planning, etc.

All fees (Financial Planning, Asset Management, and Project planning) are billed quarterly in arrears. AUM fees are annualized and based on the average daily balance.

Initial financial plan prices are estimates. Final price is agreed to at the proposal phase and is billed upon plan completion
The asset management service, if chosen, includes updating the financial plan after the initial year (thus avoiding a separate ongoing financial plan fee).
The IRS permits Asset Management fees to be paid with tax-deferred dollars from accounts like IRAs.

Notes:

All fees (Planning & AUM) billed quarterly in arrears. AUM fees are annualized and based on average daily balance.