Fiduciary Investment Management
Investing can be complex and time-consuming, which is why we help simplify the process by managing your portfolio with strategies tailored to your goals, risk tolerance, and stage of life. As fiduciaries, we are committed to acting in your best interest and providing guidance with transparency and care.
Our team monitors your investments, evaluates opportunities and risks, and makes adjustments as your needs and market conditions change. Whether you are preparing for retirement, generating income, or building long-term wealth, we strive to create an investment strategy designed to help you stay confident and focused on your financial future.
Retirement Planning and Rollovers
You likely have questions like, “Will I outlive my money?” or “How much can I safely spend in retirement?” We help you create a clear, personalized plan including managing rollovers, savings, investments, and taxes so you can approach retirement with confidence.
Our Certified Financial Planners™ help create a retirement plan tailored to your goals, lifestyle, and future needs. Whether you are preparing for retirement or already retired, our team is here to help you navigate important financial decisions with clarity and confidence.
Tax & Social Security Planning
Thoughtful tax planning can play an important role in helping you keep more of what you’ve worked hard to save. Our team helps evaluate strategies such as Roth conversions, retirement income planning, and tax-efficient withdrawals to help reduce unnecessary taxes over time.
We also help you navigate Social Security decisions by reviewing claiming strategies and coordinating benefits with your overall retirement plan. By looking at taxes, investments, and income together, we help create a more coordinated and personalized retirement strategy.
Estate Planning & Wealth Transition
Estate planning may not always be easy to think about, but having a clear plan in place can provide peace of mind for both you and your loved ones. One of the greatest gifts you can leave behind is organization and clarity, helping your family avoid unnecessary stress and confusion during an already difficult time.
Our team helps coordinate important aspects of your estate plan so your wishes are carried out and your family is better prepared for the future. We work alongside attorneys, accountants, and other professionals to help create a smooth and efficient wealth transition through beneficiary reviews, account titling, legacy planning, and guidance during major life transitions.
Comprehensive Financial Planning
You deserve a financial plan that grows with you. Our Certified Financial Planners® work with you to define your goals and build a personalized strategy to help you reach them. It starts with a complete view of your finances, your assets, debts, investments, real estate, and more. From there, your plan is tailored to your unique situation and priorities.
You’ll receive guidance across the areas that matter most, including tax strategies, retirement planning, investments, insurance, and estate planning. Additional strategies, like education savings, business planning, or charitable giving, are included when relevant.
The result is a clear, step-by-step plan designed to give you confidence in your financial future. And you’re not on your own. You’ll have ongoing support to answer questions and help you implement each step along the way.
How We Are Compensated
Our services are provided on a fee-only basis, calculated as a percentage of assets under management. This means you pay for our advice and investment management directly. There are no commissions, hidden fees, or product kickbacks.
As a fee-only firm, our advisors follow a fiduciary standard, always recommending strategies and investments that align with your goals. Our incentive is to grow your portfolio, not to sell products, so our focus is on helping you increase your net worth and achieve your financial objectives.
The benefits of fee-only investment management:
- No pressure to buy or sell investments
- Personal, ongoing relationship with your advisor
- No fear of racking up fees from asking questions
- Full transparency with no hidden fees
- You and your advisor have the same goal: the achievement of your objectives
Elderado Financial provides advisory services in financial planning as well as asset management. Fees are clearly outlined in your written agreement and depend on the service option you select.
Clients in our Asset Management Program receive portfolio management and access to financial planning services. Fees are deducted directly from managed accounts, payable in arrears, based on the account value at the end of the prior month, as 1/12th of the annual fee.
Asset Management Program Fee Schedule*:
| $0 to $499,999 | 1%** |
| $500,000 to $999,999 | 0.85% |
| $1,000,000 to $1,999,999 | 0.75% |
| $2,000,000 to $4,999,999 | 0.70% |
| $5,000,000 to $9,999,999 | 0.65% |
| $10,000,000 to $19,999,999 | 0.60% |
| $20,000,000 and up | negotiable |
*Fees may be negotiated per advisor discretion.
**Subject to $250 monthly minimum per household.