One engagement. The whole picture.
The practice does one thing deliberately well: a comprehensive, ongoing planning relationship paired with investment management. This page describes what that is like in practice, season by season, and exactly how it is priced.
Wealth Management
Comprehensive, ongoing financial planning paired with investment management. This is the full relationship: a living plan, a defined review rhythm, and an advisor watching the whole picture between meetings.
- A complete financial plan built around your goals, refreshed on a twice-yearly review rhythm and on major life events
- Spring review focused on tax strategy, built on your filed return. Fall review focused on year-end adjustments before December 31
- Investment management through professionally managed strategies, matched to the specific goal each account serves
- Quarterly portfolio updates and proactive outreach when something on the horizon affects you
- Coordination with your CPA and other professionals
- Ongoing email and phone access with a one-business-day response standard
Fee: a percentage of assets under management, stated plainly in the Fees & pricing section below and in writing before you sign anything.
Specific fees and fee schedules are established directly with the advisor and documented in your advisory agreement. For information about advisory services and fees, see LPL Financial's Form CRS and the Valley Wealth Strategies Form ADV, available on the SEC's Investment Adviser Public Disclosure site.
The discovery process.
Every prospective client walks the same path. It is designed to sort fit honestly in both directions and to show you what working together will feel like before you commit to anything.
Inquiry
You reach out, or someone you trust introduces us. We schedule a discovery call at a time that works around your trips and duty days.
Discovery
A thirty-minute conversation. Your situation, your goals, what's coming on your horizon. A mutual fit assessment, not a sales call.
Strategy
A sixty-minute working session. We bring specific analysis for your situation and a clear engagement proposal, including which service group fits.
Onboard
Agreement signed, accounts opened, and a ninety-day kickoff plan so the engagement starts with momentum instead of paperwork drift.
Planning-led, forward-looking.
The plan is the product
The value of the engagement is the planning, the earlier visibility, and the compounding decisions. Investments serve the plan, not the other way around.
An honest structure
Professional money managers handle day-to-day security selection. Kevin's role is matching the right strategy to each of your goals and keeping the whole picture coherent. Everyone does what they do best.
Non-discretionary by design
We recommend, you decide. Trades in advisory accounts require your consent before execution. You are never a passenger in your own plan.
What it's actually like, season by season.
I want you to have clear expectations about what it’s like to work with me. Here is a typical year as a wealth management client following a deliberate rhythm, built so that everything important is discussed at the right time.
| Season | What happens | Why then |
|---|---|---|
| February to April | A tax-season check-in. I’m happy to coordinate with your CPA while your return is being prepared. | Questions get answered while the return can still be shaped, not after it is filed. |
| May to June | Spring review. We read your filed return together, look at the one-to-three-year horizon, and set the year's strategy. | The review is grounded in a completed return rather than estimates. |
| Summer | Quarterly update, and room for any planning projects the spring review surfaced. | The lighter season is when unhurried work gets done. |
| October to November | Fall review. We execute what spring decided: contributions, conversions, harvesting, gifting, any year-end moves. | Late enough to know the year, early enough that every move can still be made before December 31. |
| All year | Quarterly portfolio updates, and an open line. A job change, a birth, a loss, a windfall: life events pull us into an off-cycle conversation whenever they happen. | The calendar serves the plan. Your life outranks the calendar. |
What you can expect from me. What I'll ask of you.
From me
- No manufactured urgency. You will never get pressure from me on something that doesn't have a real deadline. If you ever feel rushed by me, call me on it.
- Fees explained before you ask. How I'm paid is on this page and covered plainly in our first meeting, not held back for the end.
- Straight answers. If I think a move is a mistake, I'll say so and tell you why. If you don't need an advisor yet, I'll say that too and point you to the free Knowledge Base instead.
- Fast follow-through. When we meet, you'll have a written recap with owners and dates by the next morning.
- Your consent, always. Accounts are managed on a non-discretionary basis: nothing moves without your sign-off.
From you
- The whole picture. A plan built on partial information is a guess. I'll ask for the full view, including the parts that feel unimpressive or unfinished.
- A call before big money moves. Not for permission; for another set of eyes before the decision has been made.
- News when life changes. New job, new child, new house, a loss, an inheritance. The plan can only track a life it knows about.
- Questions, especially the basic ones. If something I said isn't clear, that is my fault, not yours. Please never hesitate to ask.
- Reasonable turnaround. When a document or signature is needed to execute what we agreed, a timely response keeps your plan on your schedule.
How I'm paid. In plain language, before you ask.
If a website makes you hunt for the fees, that tells you something. Here is how pricing works at Rose Financial Management, stated as plainly as the rules allow, with the documents that govern it linked below.
| Engagement | How the fee works | What it covers |
|---|---|---|
| Wealth Management | An annual advisory fee of 1.25% on the first $500,000 of assets under management and 1.00% on assets above $500,000, billed monthly directly from your account. The tiers are marginal: each portion of your balance is charged at its own rate rather than the whole balance at one rate. Your specific fee is set in your advisory agreement. | The full planning relationship: the two review waves, quarterly updates, tax-planning coordination, investment management, and the open line in between. Everything is included, not billed separately. |
Three commitments about fees
- You will always know the fee before anything is billed. The number, in writing, before you sign. No surprises is not a slogan; it is the arrangement.
- Questions are free. Calling me does not start a meter. Asking whether something is worth a conversation is always worth a conversation.
- The governing documents outrank this page. The complete fee schedule and how advisory fees are calculated live in the Form ADV and Form CRS, linked in the footer of every page. If this page and those documents ever disagree, the documents win, and I would want to know about it.
Fees are a fair thing to ask about early and often. If anything here is unclear, ask me directly; a plain answer costs nothing.
The first step is thirty minutes.
Bring your questions. We'll bring the broader view.