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Services and Costs

At Overture Wealth Management, we provide comprehensive wealth management that combines custom portfolio management, financial planning, and tax planning, all for a fair and transparent flat fee.

This integrated approach ensures each client receives coordinated advice tailored to their unique needs, without 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.
Schedule an Intro Call

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
Book Our Free Consultation

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
Book Our Free Consultation

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.
Book Our Free Consultation

Our Pricing

Overture’s comprehensive Wealth Management Service combines ongoing financial planning, investment management, and tax planning for a flat annual fee ranging from $7,500 to $15,000 for most clients. Each client’s specific fee is based on the anticipated complexity, time, and resources required to serve them. Below are a few hypothetical examples that illustrate how fees may vary based on a client’s financial situation and planning needs.

Chris and Tina

$ 10,000
Annual Fee
  • Retired; in their mid-60s with $2 million in IRA accounts as well as a brokerage account.
  • Pension income supplemented by portfolio withdrawals. Annual tax planning including Roth conversions.
  • Meet three times per year for portfolio reviews.

Tom and Kate

$ 12,500
Annual Fee
  • Small business owners; In their early 50s, with $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

$ 7,500
Annual Fee
  • Retired; in her early 60s; $1,000,000 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.

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 $7,000 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 $3,000 to $7,000. All fees are clearly outlined in advisory agreements and may be adjusted based on the scope of work.