Answers to common questions about working together:

As an independent financial firm, we are free to explore, compare and choose from among multiple financial products companies when looking for ideas, strategies or investments for our clients. Often cited as very important is our ability to shop for what makes the most sense for clients and their needs and goals.

If you have not heard from your advisor in a while or find yourself having to reach out to your advisor because they rarely call, then we are different. If your advisor has less than 20 years of experience or if your advisor's recommendation is routinely just hold on and hope, then we are different. If your advisor does not offer financial planning in combination with their investment advice, then we are different. If your advisor does not offer new ideas or if unwilling to help you with broader financial issues beyond your investments, then we really are quite different.

No. We offer flat fee financial planning and hourly consulting. You can leave everything right where it is today. You are free to engage with us on your terms, in a way you feel is best aligned with your situation, needs and goals.

Typically, we work with clients with at least $250,000 for investment management. However, we do have flexibility for the right client who may still be growing their wealth. Honestly, we would rather work with a client we get along with and enjoy who has $100,000 and turn away a client we don't connect with who has $15 million. Working together is about finding the right fit.

We prefer a fee-based model for investment management. Working as a fiduciary under LPL Financial's advisory platform, the cost-of-service ranges between 0.50% to 1.50% annually. Billed each quarter and printed on your statement, the cost is transparent and based on the value of your account. This means our compensation goes up or down based on the value of your account. This helps align our financial interests with yours. Please visit our Investment Management Service to learn more.

Our fee is based on the complexity of your plan with a minimum of $2,500 per plan. We will provide a written summary for you to review before moving forward. We also offer limited or project planning such as just retirement or how to pay for college for more limited needs. Please visit our Financial Planning Service to learn more.

Hourly consulting is best suited for clients seeking an ad hoc, on demand or a personal financial coaching type service. There are no investments to buy or accounts to open. We charge $240/hour with a minimum of 2 hours for our first engagement. Then going forward, you simply set up additional hours as needed at $240/hour. You just pay for the time and experience you need.

We do it for you. With your approval, we will open an account for you at LPL Financial. LPL Financial will then request a transfer from your current financial firm. We have an experienced team so you do not need to handle checks or worry about the mail. We will track the process and update you regularly. In some cases, your current firm may require their unique form to process a transfer.

For investments held with LPL Financial, you can view online through LPL Financial's web portal AccountView. You can access LPL's AccountView through our website or download the LPL AccountView app available for Android, Apple, tablet and desktops. In addition, LPL Financial prepares and sends your statements and related account documents such as annual 1099 tax forms and other confirmations directly to you. We have paperless options too so you can save some trees and ease the amount of mail you receive. You can learn more about LPL Financial services by visiting www.lpl.com to learn more.

Or call us at 650-458-0312 

Commonly requested Services and Products

Financial Planning Services

Retirement planning

Retirement income planning

Social security filing strategies

Investment planning 

Tax management planning

Education planning

Life insurance planning

Estate planning

Concentrated stock planning

Executive benefits: Financial planning & Insurance

Investment Management Services

Investment objective & timeline

Risk vs. reward evaluation

Investment screening & selection

Portfolio creation & execution

Portfolio monitoring & reporting

Portfolio rebalancing

Tax sensitive investing

Portfolio tax harvesting

Concentrated stock strategies

Employer retirement plans: Participant education & support

Commonly Requested Accounts

Taxable and retirement accounts

Private trust accounts

Traditional IRA

Rollover IRA

Roth IRA

Inherited IRA


401k & Profit Share plans

529 plan & UTMA

Typical Investments & Products

Money Market and Cash Management

Common stocks

Government & corporate bonds

Mutual funds

Exchange traded products (i.e. ETF's)

Domestic and international investments

Alternative investments

Annuities: fixed and variable

Term life and variable life insurance

Long term care insurance

Have a specific question? Let us know

Thank you!

For more information about working together or other services we offer, please send us an email or call our office. We welcome the opportunity to speak with you!

hello@newstageinvestment.com | (650) 458-0312