Work with Stephanie Sammons, CFP®
Wealth is much more than money. Being truly wealthy means that you’re meeting your financial goals, but you’re also focused on other areas of your life that matter.
My clients value working with a trusted financial guide so that they can focus on their best and highest purpose. I help them uncover what they truly want out of life between now…midlife…and the end of the road!
Personal growth, making a difference, and finding fulfillment in life all contribute to a wealthy life. And focusing on your “health span” impacts your quality of life.
I’ve been doing this work for 25 years now, and I’ve seen plenty of wealthy people who were not fulfilled. This has made a lasting impact on the way I work with clients.
If you are earning six figures, have accumulated investment assets of $500k+, and you are either not working with a financial advisor or you are working with one who does not share your values, reach out. Let’s discuss your concerns and your goals.
Dedicated to Planning-based Wealth Management
Many financial advisors say that they do financial planning, but in reality, they don’t. Most are interested in managing your investment portfolio absent the context of a financial plan. Why? Because real financial planning is time consuming and intensive.
The truth is, a financial advisor can’t possibly know how to prudently direct your financial assets and actions without a roadmap that considers all of your goals, dreams, values, beliefs, concerns, and financial resources.
We are fortunate today to have access to modern planning technology that can evolve along with you as your life circumstances change. After all, your life is a journey! It doesn’t always go as planned, and sometimes, you change your mind about what you want your future to hold.
That makes dynamic planning software an invaluable tool for real-time, real life financial planning. No more paper financial plans that become immediately outdated and gather dust on the shelf!
Financial planning is an ongoing process that we will engage in together. My Personal Wealth Planning™ process incorporates the 3 core areas of your life that create fulfillment: your well-being (health, family, community), your work, and your wealth.
Real financial planning takes into account your money AND your life.
A Thoughtful Approach to Investing
Investment management offered by the big brokerage firms and sales people who call themselves financial advisors is flawed. The reason is because there are substantial, hidden costs and conflicts of interest baked into the system. I should know. I worked for these firms for 15 years.
A thoughtful approach to investment management involves creating a globally diversified portfolio tailored to your personal life goals with high quality, low cost funds, managed for tax efficiency, and strategically rebalanced.
However, it doesn’t stop there. Evaluating investment options through an ESG (Environmental, Social, Governance) lens is not only the right thing to do, it’s good for business.
Over the last 25 years as a wealth manager, I’ve also seen some of the best and worst times in our economy and financial markets. Markets don’t destroy wealth. How you react to them does.
For this reason one of the most important exercises we will go through is a risk profile assessment to determine your unique “risk number”. Knowing your risk number allows us to pinpoint the ideal portfolio allocation for your specific risk comfort level and adjust for your goals as needed.
Although there can be some difficult “seasons” to endure along the way, you will have an investment plan you can stick with through all seasons.
Independent Fiduciary and Fee-Only
As a Fee-Only Fiduciary Registered Investment Advisor, you will receive comprehensive and ongoing financial planning, investment management, coaching, communication, support, and on-demand access to me personally.
My pricing schedule is a Fee-Only (no commissions or additional planning fees) based on a percentage of assets under management. The program includes personal wealth planning and investment management services:
Up to the first $1,000,000 at 1%
The next $1,000,001 to $2,000,000 at .75%
The next $2,000,001 to $5,000,000 at .60%
Above $5,000,000+ at .375%
*Minimum quarterly fee of $1250/quarter if assets are below $500,000
As a Fee-Only financial advisor, I do not charge commissions, sell products, or accept referral fees from third parties.
Sammons Wealth Management client assets are held at TD Ameritrade Institutional, an established and reputable custodian that aligns with my firm’s mission and values.