Financial Planning Fees

What You Gain:

Pure Financial collaborates with leading financial academics to build portfolios based on the science of capital markets. Decades of time-tested research guide the way.

Classical investment approaches attempt to outsmart the collective wisdom of all market participants by trying to identify and predict pricing “mistakes.” Research illustrates that these approaches are costly and often futile. As these predictions often fail, investors are exposed to the risk of missing out on the strong returns that markets provide. Our investment philosophy allows us to harness the power of capital markets.

What You Gain:

Asset location is the bridge between tax planning and investment management. Since investments generate taxes, where you locate different types of assets has an impact on your net after-tax income.

Pure Financial employs tax diversification to take advantage of different tax environments when appropriate. Assets are located in taxable, tax-deferred and tax-free accounts. The assets with a higher expected return are located in the accounts geared towards tax-free and capital gains treatment.

What You Gain:

Pure applies a process driven, scientific investment approach to build robust strategies to meet our clients’ needs. Investing with Pure gives you access to low-cost institutional funds and provides you with some of the world’s leading asset managers used by many of the nation’s largest institutional investors.

We’re strong believers that asset management should be commission-free to eliminate any conflict of interest between the advisor and client. That’s why you pay one low annual fee that is fully disclosed and completely transparent.

What You Gain:

Tax loss harvesting is the art of selling a security that has experienced a loss to offset a capital gain. The sold position is replaced with a position in the same asset class that has similar characteristics to maintain proper portfolio risk and expected returns. Through realizing the loss, you’re able to offset current or future capital gains dollar for dollar.

What You Gain:

• Decision Center
• What-if Scenarios
• Goal Planner
• Daily Performance Reports
• Connect All Accounts
• Secure Online Vault
• Screen Sharing with Advisors
• Track Spending
• Budgeting
• Mobile

What You Gain:

Analyzing your cash flows throughout the year will help you monitor your progress in obtaining your goals. Whether this is saving for retirement or utilizing your funds effectively in retirement, it’s important to periodically evaluate and make changes to your cash flow plan as appropriate.

What You Gain:

• Roth Conversions & Double Roth Conversions
• Roth Re-characterizations
• Alliance with CPA
• Tax Projections
• Tax Deductions
• Minimize AMT
• Retirement Plans for Small Business Owners
• Charitable Gifting

What You Gain:

• Education & Funding for Children & Grandchildren
• Philanthropic Goals
• Succession Planning of Small Business
• Providing for the Surviving Spouse
• Coordinate with Estate Planning Attorneys to Create/Update Estate Planning Documents

What You Gain:

Having the discipline to stay the course in times of market turbulence can make a significant impact on your portfolio’s performance. By focusing on strategies such as minimizing costs and taxes, allocating your assets efficiently, maintaining proper diversification and remaining disciplined, you can increase your odds of success.

What You Gain:

If you efficiently diversify your assets into taxable, tax-deferred and tax-free accounts, you can strategically time your distributions.

Appropriately timing when and where to distribute your assets from has a significant impact on your after-tax return. Tax-efficient distributions consider a taxpayer’s tax bracket to minimize current and future taxes.

What You Gain:

Your accounts will be proactively monitored on a daily basis to ensure your allocation remains within your risk tolerance. As your portfolio starts to drift, we will rebalance your assets, selling high and buying low.

What You Gain:

Successful investing means not only pursuing returns, but also managing risks that may compromise the integrity of those returns. Diversification is essential because it reduces uncertainty, controls risk and increases the reliability of outcomes. If you invest with Pure, your portfolios will be broadly diversified to emphasize the dimensions of higher expected returns.

What You Gain:

You set your goals, now you need a plan in place to achieve them. Your investment strategy should support your planning goals. At Pure, we take the extra steps to help you put a plan in place to create a more sophisticated, well-balanced experience for you. Proper planning allows you to focus on the things you can control, reducing risk and increasing your probability of success.

What You Gain:

• Social Security Strategy
• Retirement Account Plan Funding
• Sustainable Distribution Plan
• Retirement Income Plan
• Retirement Planning After Employer Change
• Pension Maximization

What You Gain:

• Insurance Policy Review:
  • Life
  • Long-term Care
  • Property & Casualty
• Plan to Cover Healthcare Costs
• Network of Insurance Professionals