Tier I

Tier I: Comprehensive Financial Planning and
Investment Management

  • Clients will receive our full suite of planning services utilizing PwC Excel-based planning templates where appropriate:
    • This is an ongoing, hands-on service model.
    • We typically meet in person two to three times per year; however, there is “unlimited” consultation.
    • Investment management is coordinated across all PwC and outside accounts.
    • We provide access to institutional class funds and alternative strategies that are not generally available to the public.
      • A detailed asset allocation is created and investment selection is provided.
      • When fully implemented, our service results in broad diversification, including equities, fixed income, inflation protection assets and alternative investments. Opportunities for illiquid or unique investments are considered as appropriate.
      • Consolidated investment reporting, including PwC qualified plans, outside assets and spousal accounts are provided quarterly.
  • Comprehensive income tax, estate, retirement, college education funding and life insurance planning provided, as well as tax-efficient debt management and other personal finance issues facing the PwC partner/employee is provided.
  • These services are provided by an experienced, technically competent senior advisor. Please see our biographies ».
  • Fee: Ongoing Investment advisory and planning fees start at 1% of investible assets and decline as the asset base increases. Engagement fees are discussed and agreed on prior to the delivery of services.

Tier II

Tier II: Investment Management and
Annual Financial Plan/Update

(May not be appropriate for more tenured partners due to the interaction of PwC retirement plans with life insurance matters and estate planning considerations, among other issues.)

  • Clients receive an automated financial plan and related annual updates.
  • Compliance with PwC independence requirements
    • Custody assets with an approved independent custodian (TD Ameritrade)
    • All investments are precleared though CheckPoint and monitored for compliance with independence rules
  • Independent management of non-PwC assets utilizing our institutional approach to asset allocation and diversification:
    • We provide access to institutional class funds and alternative investments that are not generally available to the public.
    • Model allocations are provided for PwC plans for our client to implement.
    • Semi-annual remote consultations are provided regarding portfolio and financial planning challenges.
    • Consolidated investment reporting is provided quarterly.
  • Fee: $2,500 initial planning fee (for each subsequent year, updates are $1,000 annually) plus 1% of financial assets up to $1 million and then declining. $250,000 minimum, including PwC qualified plans.

Tier III

Tier III: Investment Advisory Service

  • Compliance with PwC independence requirements
    • Custody assets with an approved independent custodian (TD Ameritrade)
    • All investments are precleared though CheckPoint and monitored for compliance with Independence rules
  • Independent management of non-PwC assets utilizing our institutional approach to asset allocation and diversification:
    • We provide access to institutional class funds and alternative investments that are not generally available to the public.
    • Model allocations are provided for PwC plans for our client to implement.
    • Quarterly reporting is provided on assets we directly manage.
    • We will consult with clients remotely on an annual basis.
  • Fee: 1% of assets directly managed up to $1 million, then declining. $100,000 minimum (excludes PwC qualified plans).

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