Ben and Leslie

Age: 32

Occupation: Early-Stage Physician & Teacher

Household Income: $300,000

Investible Assets: $100,000

Planning Needs: Starting a Family, Student Loans, Cash Flow, Life Insurance, Basic Estate Plan, Investing Strategy, Tax Strategy

True Riches All-In Quarterly Fee: $1,460*                    

Includes:

✅ Automating Cash-Flow + Spending Tracking   

✅ Tax Return Filing ($500+)

✅ Digital Estate Plan ($600+)

Phil and Claire

Age: 43

Occupation: Software Engineer & Accountant

Household Income: $350,000

Investible Assets: $1,000,000

Planning Needs: Equity Compensation Strategy, Coordinating Employer Benefits, Retirement Planning, Tax Strategy, Investing Strategy, College Funding, Home Relocation

True Riches All-In Quarterly Fee: $2,250*

Includes:

✅ Automating Cash-Flow + Spending Tracking

✅ Tax Return Filing ($750+)

✅ Digital Estate Plan ($600+)

✅ Integrated RSU + ESPP Planning  

✅ Tax-Optimized Retirement Savings Strategy

✅ Coordinated & Optimized Employer Benefits

✅ Powerful Tax-Advantaged Charitable Giving Strategies 

✅ Sabbatical and/or Early-Retirement Projections

✅ Custom, Low-Cost, Tax-Efficient Investment Portfolio

✅ High-Tech Personal Finance Dashboard with Succinct Takeaways

✅ Quarterly Reviews & Assistance with To-Do's

✅ Personalized Communication and Service (1 of 40 clients)

Investment Firm 1% AUM Quarterly Fee: $2,840**

You get: 

❌ Tax-Agnostic Investment Portfolio 

❌ 1-2 Meetings Per Year

❌ Playing Middle-Man Between Financial Advisor & CPA-Firm 

❌ Static PDF Reports with No Real-Time Scenario Modeling

❌ Minimal Help Implementing Recommendations

❌ Generic communication (1 of 200 clients)

*Assumes moderate complexity

**Firms and financial professionals vary widely in their services and costs.

DISCLAIMER: Case studies are hypothetical and do not relate to an actual client of True Riches Financial Planning LLC. Clients or potential clients should not interpret any part of the content as a guarantee of achieving similar results or satisfaction if they engage True Riches Financial Planning LLC for investment advisory services.

Michael and Holly

Age: 54

Occupation: Sales Director & Realtor

Household Income: $600,000

Investible Assets: $3,000,000

Planning Needs: Retirement Planning, Tax Strategy, Concentrated Position Planning, Rental Real Estate, Charitable Giving Strategies 

True Riches All-In Quarterly Fee: $4,000*

Includes:

✅ Automating Cash-Flow + Spending Tracking

✅ Tax Return Filing ($1,000+)

✅ "What's Possible" Scenario-Based Retirement Projections

✅ Incorporated Concentrated Stock Position Planning

✅ Rental Property Performance Projection

✅ 1-on-1 Personal Finance Sessions with Adult Children

✅ Coordinated & Optimized Employer Benefits

✅ Custom, Low-Cost, Tax-Efficient Investment Portfolio

✅ Digital Estate Plan ($600+)

✅ Objective, Unbiased Insurance Review 

✅ Powerful Tax-Advantaged Charitable Giving Strategies

✅ Quarterly Reviews & Assistance with To-Do's

✅ Personalized Communication and Service (1 of 40 clients)

Investment Firm 1% AUM Quarterly Fee: $7,500**

You get:

❌ One-Size-Fits-All Model Investment Portfolio

❌ 1-2 Meetings Per Year

❌ Tax Return Filing or Estate Plan Cost Extra

❌ Financial Plan Analysis Done By Junior Advisor or Analyst 

❌ Minimal Help Implementing Recommendations

❌ Generic communication (1 of 200 clients)

*Assumes moderate complexity

**Firms and financial professionals vary widely in their services and costs.

DISCLAIMER: Case studies are hypothetical and do not relate to an actual client of True Riches Financial Planning LLC. Clients or potential clients should not interpret any part of the content as a guarantee of achieving similar results or satisfaction if they engage True Riches Financial Planning LLC for investment advisory services.