Services and Costs
At Overture Wealth Management, we provide custom portfolio management, financial planning, and tax planning 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
- For clients of Overture Wealth Management, we can also coordinate the preparation and filing of personal tax returns through Overture Tax Preparation LLC, a separate company that is under common ownership with Overture Wealth 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 Service is 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
Annual Fee
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Retired; in their mid-60s with $1.6 million in IRA accounts as well as a brokerage account.
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Pension income supplemented by portfolio withdrawals.
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Meet three times per year for portfolio reviews.
Tom and Kate
Annual Fee
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Small business owners; In their early 50s, with $5 million across various accounts, including an irrevocable trust and SEP IRA.
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Require retirement, insurance, and education planning for their two children.
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Meet three times per year for portfolio reviews.
Diane
Annual Fee
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Retired; in her early 60s; $500,000 held in her Rollover IRA and Roth IRA
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Focused on minimizing income impacts on healthcare subsidy prior to Medicare eligibility at age 65.
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Meets twice per year for portfolio reviews.
Financial Planning Services
Separate from ongoing Wealth Management, Overture offers both Ongoing Financial Planning and Project-Based Financial Planning.
Financial planning services are provided independently and do not include investment management. These services may be well suited for clients who are seeking financial advice but wish to continue self-managing their investment portfolios.
Fees for Ongoing Financial Planning typically range from $4,000 to $10,000 per year, depending on the client’s specific needs, the complexity of their situation, and the time, research, and resources required for the engagement.
For clients seeking a shorter-term engagement, Project-Based Financial Planning is available for a fixed fee ranging from $1,000 to $7,000. All fees are clearly outlined in advisory agreements and may be adjusted based on the scope of work.
