Hammer Advisory Services, Inc. is a Minnesota Registered Investment Advisor. Registration does not imply a certain level of skill or training. HAS, Inc. does not provide tax or legal advice. Information on this site is general in nature, and is not intended as specific advice. Past investment performance is not indicative of future results.
Hammer Advisory Services, Inc.
When Should You Start Taking Social Security Retirement Benefits?
Investment Management for a Competitive Fee:
I will design and implement an investment portfolio that takes into consideration your risk tolerance and time horizon, using mostly low cost exchange traded index funds. This service includes:
- Initial Financial/Retirement Plan
- Annual Plan Review
- Ongoing monitoring and re-balancing or re-positioning as needed,
- Quarterly performance reporting that takes into account all fees.
- Regular communication with you
- At-home meetings if you find that more convenient than meeting at my office.
My fee is $1200 per year plus .25% of assets under my management, billed quarterly. Fees may be negotiable. I do not earn commissions on trades, nor do I sell any products.
I must always act as your fiduciary-which means I must always put your interests above my own and make recommendations based solely on your best interests. I accept no payments, commissions, spiffs, free lunches, etc...from third party product providers-my only source of compensation is fees paid to me directly by my clients.
Retirement/Financial Planning for a Flat Fee:
I will put together a plan for you based on your specific situation and goals to help you answer the financial questions most important to you, such as when you can retire comfortably. The plan will include recommendations regarding:
- Will and Estate plan
- Social Security Benefits
- Insurance Needs
- Any other issues you want to address.
We will agree on a flat fee based on an estimate of how many hours I will work on your plan at $150 per hour. Once agreed to the fee cannot increase regardless of how many hours I actually work on your plan.
Fee-only Financial Planning in St Paul