Services & Fees

Integrated Financial Planning & Investment Management Services

Our service is appropriate for individuals, couples and families looking for an integrated approach to their financial planning and investment management. During the review of your financial plan, we will address the following areas of financial planning:

Goal Setting – The first objective in the planning process is for us, together, to identify your personal goals and objectives, so that we can better understand how your primary assets – your time and your finances – can be organized to achieve these goals. What do you want to happen, personally and financially, and in what time frame?

Review and Analysis of Cash Flow & Net Worth Assessment – I will review and analyze your current spending patterns and prepare an analysis which highlights current cash inflows and outflows. Together we will determine the level of discretionary income available for investment or other uses. The cash flow work helps us with long-term planning by providing a baseline with which to estimate your future spending needs. We would also assess your current financial circumstances through a personal net worth statement that lists your assets and liabilities.

Financial Independence Planning – This would involve exploring the age at which you wish to “retire” and the lifestyle you wish to enjoy during retirement. I will prepare an analysis to determine what amount of investments and additional savings are necessary to achieve your goals. Social Security projections and pension income will be incorporated into the analysis. I will generate long-term financial projections to help you see how various financial decisions might affect your ability to fund your long-term goals. Where helpful, we would develop scenarios to help analyze how best to achieve your goals and any tradeoffs that might need to be made among them.

Current Portfolio Review – We will focus on understanding your risk profile and the expected returns of your current portfolio, including all taxable and tax-deferred accounts. We would discuss investment strategies in order to help you understand which strategy may be best suited for your needs and risk preferences.

Tax Planning – We would address whether you are taking full advantage of opportunities to minimize your federal and state income tax liabilities. If I have sufficient information regarding your personal tax situation, I will prepare an annual income tax projection for the current tax year to estimate your expected liability or refund based upon projected income during the tax year. I will make recommendations to adjust your withholding or make estimated tax payments as necessary.

Insurance Review – We would address whether you have adequate life, disability, and long-term-care insurance. I would also have an expert review your property & casualty insurance to determine whether you have adequate coverage. I will review your current insurance policies and make suggestions regarding the appropriateness of your coverage in meeting your current goals and objectives. I will make recommendations to insurance agents who specialize in the areas mentioned.

Estate Planning – I will review your existing estate planning documents (wills, trusts and powers of attorney) to ensure that they reflect your wishes and determine the need, if any, for any additional estate planning action. I will make recommendations regarding attorneys who specialize in drafting estate planning documents.

Stock Option Planning (if applicable) – I will assist you with decisions regarding your employee stock options so that they complement your overall financial plan. I will review your specific stock option grants in light of your personal financial situation, including your federal and state marginal tax brackets, net worth, personal objectives, risk tolerance and need for cash.

Education Funding Analysis (if applicable) – I will prepare an analysis to determine what amount should be set aside to fund the education you desire for your children or grandchildren. Additionally, I will present your alternatives for savings vehicles and help.

The fee for the initial plan is based upon the complexity of your individual situation and the amount of time expected to be involved in gathering the data, preparing the plan, and presenting the financial plan.


  1. Initial Inquiry
    If you feel that our financial planning and investment philosophy are appropriate given your needs, please contact us by phone or e-mail to schedule an initial consultation.
  2. Prior to the Initial Consultation
    Please submit requested information.
  3. Initial Consultation
    This session is an opportunity for us to exchange information about your goals and objectives and further discuss our services to determine if they may be appropriate for you. The initial consultation typically takes approximately forty-five minutes. Following our meeting, we will provide you with a proposal and “Consulting and Compensation Agreement” that will include a summary of services to be rendered and the fee for services.
  4. Data Gathering
    Upon receipt of the signed agreement and deposit, AFA, LLC will e-mail you a list of outstanding information required. You will also receive an e-mail directly from FinaMetrica, an online risk profiling system, which will provide you with logon information to take the 25 question risk tolerance questionnaire. Once we receive all of the requested information and the risk profile is completed, we will begin to review and develop your financial plan. We may contact you to clarify some of the information. Once we have all of the required information from you, we will schedule our appointments.
  5. Analysis and Plan Formulation
    We will develop your plan with all of the information you have provided. Once we conclude our research and analysis and produce the final plan with our observations and recommendations, we will meet to review the plan in its entirety.
  6. Presentation Meetings
    Over the course of the meeting(s), we will present and review the financial plan that has been prepared.  After we review your financial plan, if you decide to proceed as an ongoing client we will review an investment policy statement and specific recommendations for your investment portfolio.
    Full payment of the balance for actual fees incurred is due at the conclusion of our plan review meeting.
  7. Implementation and Follow-up
    Proper implementation is crucial to achieving your financial goals. Aznar Financial Advisors, LLC is actively involved in the implementation of all of the financial planning recommendations if you become an ongoing client. This relationship involves ongoing coordinated financial planning and investment advisory services. We will actively monitor your investment portfolio over the course of the year, assisting with implementation, rebalancing when necessary, harvesting tax losses as appropriate, investment of additional cash as it comes available, and adjustments over time as your personal situation evolves. We will meet periodically to review your financial planning needs and investment portfolio.

Fee Schedule

Financial Plan (no investment management) – Ranges depending on complexity

Ongoing Financial Planning & Investment Management Services – Asset based rate starts at 1% of 1st $1 million

             (subject to annual minimum of $12,000 per year)

Working with a CFP®

The Benefits of Working with a Certified Financial Planner®:

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  • Assistance in establishing and prioritizing your goals and objectives
  • The peace of mind that comes with knowing that your personal financial affairs are in order
  • Creation of a detailed plan to help you achieve them
  • More time to focus on what you do best

What a Financial Advisor Does:

  • Asks for and absorbs information about your whole financial situation
  • Helps you learn more about personal financial management in general
  • Offers specific recommendations with enough background information so that you can make informed decisions
  • Helps you implement and monitor planning decisions
  • Provides reality checks about your financial habits
  • Helps you sort through important value decisions


What a Financial Advisor Does Not Do:

  • Predict the future
  • Guess what you are thinking, but not talking about
  • Guarantee performance
  • Protect you from the consequences of destructive financial habits that you do not address yourself
  • Go beyond the role of advisor into the role of therapist
  • Magically get you as much money as you would like to have
  • Earn higher than average returns year after year

Your Responsibilities as a Client:

  • Provide necessary background information so that the advisor can develop informed judgments and recommendations
  • Be ready to consider new information
  • Ask for clarifying information when you do not understand something
  • Be forthcoming about your personal values, including goals, concerns, preferences, and worries
  • Consider the advisor’s comments and written communications and correct any misimpressions implied by these communications

What We Can Do for One Another:

  • Be prompt for appointments
  • Respond promptly to requests
  • Listen well
  • Have reasonable expectations

Client Forms

In preparation for the Initial Consultation, we will send you a document request.

As we work together, we will ask you to complete a Risk Tolerance Questionnaire. We will use this information as part of the process to determine an appropriate investments strategy.

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