Services and Pricing

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Services

All included with the fee described below

• Portfolio of investments in line with your goals and risk profile, incorporating advanced tax management techniques
  • Low-cost, tax-conscious investment methodology implemented using mutual funds and ETFs from Dimensional Fund Advisors
  • Strategic placement of asset classes across your household's accounts to optimize tax efficiency
  • Monitoring for rebalancing and tax loss harvesting opportunities
• Proactive guidance on all financial matters
• Financial Plan including:
  • Comprehensive modeling of your net worth to provide you with a framework for quantifying financial decisions
  • Cash flow analysis
  • Detailed analysis of the current year's tax returns and future projections, focusing on tax-saving opportunities
  • Proper coordination of all income sources in retirement
  • Focus on maximizing your retirement income with dynamic withdrawal strategies
  • Coordination with the tax accountant and estate attorney 
• Review of your plan - quarterly, semi-annually, or annually, depending on your preferences
• Timely unlimited communications via phone, email, in-office meetings, and web conferences​

Your Experience

We'll begin with the planning process. Below are a few samples of what the planning would look like.
​
Cash-flow projections
Tax Planning
Estate Planning

After we complete the initial planing process, I will handle the investment management, including rebalancing, tax-loss harvesting, withdrawals, and all other related elements.

We will meet regularly to revisit your financial plan and make adjustments as needed, considering changes in your circumstances, tax rules, regulations, and other factors that may affect your long-term plan.

Access​
In addition to having access to your accounts at TD Ameritrade via the website and an 800 number, I will provide you with access to a Financial Planning Portal where you can monitor the progress toward achieving your goals and a Client Portal to view the performance of your accounts.

​Although my advisory fees are lower than traditional providers for many of my clients, I do not limit client interactions. I am always available to my clients via phone, email, in-office meetings, and web conferences.

Custody
​All your accounts are controlled by you and held in your name by an independent custodian, TD Ameritrade Institutional. We receive no compensation from them. TD Ameritrade will provide you with monthly statements and annual tax reports. You can check your portfolio 24/7 on their website or call them during business hours. Octo Capital will have a limited power of attorney to execute transactions on your behalf.

​Click here for more information about TD Ameritrade​.

Pricing

OCTO Capital is a fee-only advisor and receives no compensation other than our completely transparent, quarterly fees from our clients. In other words, we do not receive commissions, performance fees, or kickbacks from fund companies and do not engage in excessive trading or sell proprietary products.
 
Our fixed quarterly fee is set upfront before you engage our services and is based on the complexity of your situation. Calculated on a percentage basis, our clients typically pay between 0.20% and 1.00% annually on assets managed.

The fees are deducted quarterly from the accounts managed on your behalf.

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