Services and Costs
At Overture Wealth Management, we provide custom portfolio management, financial planning, and wealth management services, all for a fair and transparent, flat fee. Our approach ensures clients receive a full suite of services tailored to their unique needs without worrying about hidden costs or commissions.
Portfolio Management
- Selecting and adjusting portfolio allocations to align with your changing circumstances
- Broad diversification using a mix of low-cost ETFs and mutual funds
- Portfolio rebalancing
- Tax-loss harvesting
- An emphasis on maximizing after-tax returns
- Cash flow management
Financial Planning
and Holistic Wealth Management
- Financial modeling to evaluate progress toward your goals
- Estate planning guidance to maximize your legacy goals and minimize estate taxes for your estate and your heirs
- Cash flow planning for sustainable, tax-efficient portfolio withdrawals
- Guidance regarding your insurance coverages: life, disability, long term care, property & casualty
- Education Planning
- Social Security Optimization
Tax Planning
- Tax projections and guidance on estimated tax payments
- Support for Required Minimum Distributions (RMDs) and Qualified Charitable Distributions (QCDs)
- Roth IRA conversion strategies
- Medicare Income-Related Monthly Adjustment Amount (IRMAA) planning
- Coordination with your tax professional for seamless financial management
Portfolio Management
- Selecting and adjusting portfolio allocations to align with your changing circumstances.
- Broad diversification using a mix of low-cost ETFs and mutual funds.
- Portfolio rebalancing.
- Tax-loss harvesting.
- An emphasis on maximizing after-tax returns.
- Cash flow management
Financial Planning and Holistic Wealth Management
- Financial modeling to evaluate progress toward your goals.
- Estate planning guidance to maximize your legacy goals and minimize estate taxes for your estate and your heirs.
- Cash flow planning for sustainable, tax-efficient porƞolio withdrawals.
- Guidance regarding your insurance coverages: life, disability, long term care, property & casualty
Tax Planning
- Tax projections and guidance on estimated tax payments.
- Support for Required Minimum Distributions (RMDs) and Qualified Charitable Distributions (QCDs).
- Roth IRA conversion strategies.
- Medicare Income-Related Monthly Adjustment Amount (IRMAA) planning.
- Coordination with your tax professional for seamless financial management.
Our Pricing
Overture’s comprehensive wealth management services are provided for a flat annual fee ranging from $5,000 to $15,000 for most clients. A client’s specific fee is based upon the anticipated complexity, time, and resources required to serve each client. Below are a few examples that may align with your financial portfolio and needs.
Chris and Tina
$
9,000
Annual Fee
Annual Fee
-
Retired; in their mid-60s with $1.6 million in IRA accounts as well as a brokerage account.
-
Pension income supplemented by portfolio withdrawals.
-
Meet three times per year for portfolio reviews.
Tom and Kate
$
15,000
Annual Fee
Annual Fee
-
Small business owners; In their early 50s, with $4.5 million across various accounts, including an irrevocable trust and SEP IRA.
-
Require retirement, insurance, and education planning for their two children.
-
Meet three times per year for portfolio reviews.
Diane
$
5,000
Annual Fee
Annual Fee
-
Retired; in her early 60s; $500,000 held in her Rollover IRA and Roth IRA
-
Focused on minimizing income impacts on healthcare subsidy prior to Medicare eligibility at age 65.
-
Meets twice per year for portfolio reviews.
