Sound Wealth

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Financial Planning Proposal

Prepared For

A plan built around what matters to you

Hi ,

Thank you for the conversation. It's a real privilege when someone opens up their finances, their questions, and their hopes the way you did, and I don't take it lightly.

This page walks through exactly what working together looks like: the meetings, the work between them, what it costs, and what happens after you say yes. Take your time with it and talk it over, because there's no clock running on this decision, and if the answer is "not right now," that's a perfectly good answer.

If it's a yes, the button at the bottom starts everything.

Blessings,
Matt
Matthew Reakus, CFP®, CKA®, CEPA, EA

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The Work Ahead

Six months from first meeting to a finished plan

Charting the Course

90 minutes, where we begin

Before any spreadsheets, we talk about the life the money is for. This is our vision meeting, where we work through your Waves of Purpose together: what you're building toward, what keeps you up at night, and what "enough" looks like for your family. Everything after this meeting takes its direction from it.

Anchoring Your Finances

2 to 2.5 hours, the foundation

This is the full review, where we go through everything together: accounts, insurance, estate documents, and the retirement plan you forgot you had at that old job. It's the heavy lifting, and once it's done, the real work moves quickly.

Navigating the Strategy

60 to 90 minutes each, the what-ifs

A series of focused working meetings, one topic at a time: retirement, taxes, education funding, insurance, estate planning, whatever your situation calls for. This is where we test the what-ifs against your real numbers. You'll have clear action items after each one, and so will we.

Your Plan, Delivered

within six months

We finish here: a complete, written financial plan you understand and believe in, with every recommendation explained in plain language. From there, many families choose to stay on with us for ongoing planning and regular check-ins. That's a conversation for later, with no obligation built in today.

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What's Included

Every meeting above, plus unlimited email and phone questions along the way.
Your own planning portal (RightCapital), where your full financial picture lives in one place, updated and secure.
Spending clarity through Monarch, so the plan is built on what actually happens each month, honestly and judgment free.
A written comprehensive plan covering cash flow, retirement, investments, taxes, insurance, education, and estate planning as your situation requires.
Coordination with your CPA, attorney, and other professionals when the plan touches their work.
A six month timeline we hold ourselves to, and we'll ask you to hold up your side too.

What it costs

This is the whole fee for the six-month engagement.

to begin, when the agreement is signed

when your finished plan is delivered

We're a fee-only firm. This flat fee is the only way we're paid for your plan, it's agreed before we start, and we never earn a commission on anything we recommend.

The Work Ahead

Looking after your investments, year after year

Charting the Course

90 minutes, where we begin

Before we invest a dollar, we talk about the life the money is for. This is our vision meeting, where we work through your Waves of Purpose together: what you're building toward, what keeps you up at night, and what "enough" looks like for your family. How your money gets invested starts with this conversation.

Building Your Mix

how your money gets invested

Once we know where you're headed, we'll build how your money is invested to match it: your goals, your timeline, and how much movement you're comfortable living with. We'll go through it together in plain English before anything moves, and if part of it doesn't make sense, we'll stay on it until it does.

Reviewing It Together

at least once a year

We'll sit down at least once a year and go through everything: how your investments are doing, whether the mix still fits your life, and anything worth adjusting. And when something changes in between, a new job, an inheritance, a big decision on the horizon, we'll meet then too, because those moments matter more than the calendar does.

In Between

Most of investing well is staying steady, so between meetings we keep an eye on your accounts, rebalance when things drift, and stay easy to reach. When the market gets noisy or a money decision is coming up, reach out and we'll think it through together before anything happens.

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What's Included

An investment mix built around your goals, your timeline, and your comfort with risk.
A full review together at least once a year, and more whenever life changes.
Ongoing monitoring and rebalancing in between.
Your own portal, where your accounts and progress live in one place.
Unlimited email and phone questions along the way.
Coordination with your CPA, attorney, and other professionals when it helps.

What it costs

Our fee is a percentage of the assets we manage for you.

First $500,000	1.50%
$500,001 to $1,000,000	1.25%
$1,000,001 to $2,000,000	1.00%
$2,000,001 to $3,000,000	0.90%
$3,000,001 to $5,000,000	0.75%
Above $5,000,000	0.60%

The rate steps down as your assets grow. We're a fee-only firm, so this fee is the only way we're paid, and we never earn a commission on anything we recommend.

The Work Ahead

Your investments and your plan, together in one relationship

Charting the Course

90 minutes, where we begin

Your Investments

We'll build how your money is invested around your goals and your timeline, keep watch on it, rebalance when things drift, and review it with you at least once a year, and more whenever life changes.

Your Plan

Life keeps moving, so we'll keep meeting through the year to work on whatever your situation is raising: retirement timing, taxes, insurance, your estate, the kids' education. One topic at a time, worked through against your real numbers, so your plan stays current and you always know what the next step is.

Over the Years

Because we're handling both sides, your plan and your investments inform each other, and when something changes in your life you make one call and we adjust both together. You never have to start the story over with someone new.

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What's Included

Everything on the investment side: your mix, ongoing monitoring and rebalancing, and a full review together at least once a year.
Planning meetings through the year, driven by what your life is actually raising.
A written plan that stays current: cash flow, retirement, investments, taxes, insurance, education, and estate planning as your situation requires.
Spending clarity through Monarch, and your own planning portal (RightCapital) where your full picture lives in one place.
Unlimited email and phone questions along the way.
Coordination with your CPA, attorney, and other professionals when it helps.

What it costs

There are two fees here, one for the investments and one for the planning.

Investment management

First $500,000	1.50%
$500,001 to $1,000,000	1.25%
$1,000,001 to $2,000,000	1.00%
$2,000,001 to $3,000,000	0.90%
$3,000,001 to $5,000,000	0.75%
Above $5,000,000	0.60%

Ongoing planning

to begin, when the agreement is signed

per month, for the ongoing work

We're a fee-only firm. These two fees are the only way we're paid, they're agreed in writing before we start, and we never earn a commission on anything we recommend.

“The heart of man plans his way, but the Lord establishes his steps.”

Proverbs 16:9, ESV

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Ready when you are

Accepting tells us you're ready to move forward. It isn't a contract; the formal agreement comes next for your review and signature, along with our Form ADV brochure and privacy policy.

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Next Step

Your information

We need a few basics to prepare your agreement and get things started. Estimates are fine where exact numbers aren't handy.

First, the basics

Legal first name *

Legal last name *

Middle name or suffix, if part of your legal name

Email *

Mobile phone *

Date of birth *

Marital status *

Street address *

Apt, suite, or unit

City *

State *

ZIP code *

Work and family

Employment status *

Name of employer *

Occupation *

Years of employment *

Number of dependents *

Your spouse

Legal first name *

Legal last name *

Middle name or suffix, if part of your legal name

Email *

Date of birth *

Marital status *

Employment status *

Number of dependents *

Name of employer *

Occupation *

Years of employment *

Your financial picture

Choose the range that fits.

Combined annual income *

Net worth *
everything you own minus everything you owe

Liquid net worth *
the part you could turn into cash within a few days

How you invest

Some of these phrases come straight from the agreement. Pick the one that sounds most like you, and we'll talk through any of them.

Investment objective *

Time horizon *

Risk tolerance *

Percentage of your assets we would manage *

Your investing experience

Whatever is true today is the right answer.

Equities (stocks) *

Bonds *

Mutual funds *

Foreign equities (international stocks) *

Foreign bonds (international bonds) *

What we'll cover

Pick the areas that matter most to you. We can add more as we go.

Everything here stays in confidence under our privacy policy. We'll never ask for your Social Security number or account logins by web form, and anything sensitive comes later, inside the signed agreement.