Financial Planning at LeConte

What to Expect

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In delivering financial planning advice, our goal is to make it as easy as possible for you.  We enter into a Wealth Management Consulting contract that outlines the scope of our advice, the costs, and the timeframe under which that advice will be delivered.


What information do you need to complete my plan?

In gathering information, you will receive a customized financial inventory to complete with as much relevant information as you can provide.  We also accept documents like investment statements, insurance policies, and estate documents that are scanned and stored electronically on our secure servers, with the originals returned to you.  And if more convenient, we are happy to conference call other financial providers with you (HR departments, insurance companies, etc) to verify necessary details.


What do I receive?

In addition to an extensive analysis, we present a written summary that will help you to more easily understand the planning content, strategies, and recommendations.  Most importantly, we provide implementation guidelines to help you lay out the steps necessary to begin making positive financial progress.  And when you decide how you want to proceed, we craft an action schedule and assist you with its fulfillment.


How long does it take?

From the time the information is compiled and submitted, it typically takes no longer than two weeks to prepare the initial analysis.


How much does it cost?

The planning fee is determined up front by the complexity of your situation and the estimated amount of time that it will take to produce, present, and implement the plan.  Though our planning services are currently billed at $200 per hour, we generally quote a total planning fee, which for comprehensive plans can typically range from $1,500 to $4,000, and for retirement income plans is generally between $1,000 and $2,500.  For clients with investment accounts at our firm, we allow payment at the time the plan is delivered.  Otherwise, the fee is payable when the wealth management contract is signed.


Early Accumulators

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An early accumulator is someone who, regardless of age, has begun to think seriously about their financial future.  They have probably developed a budget and are saving diligently.  We help these clients progress from having a collection of securities to a purpose built portfolio. 


What will your financial plan address?

  • Financial Position

    Where do you stand financially? This financial “inventory” takes stock of all of your resources, opportunities, and risks to get an idea of what you’ll have to work with in progressing toward your goals. And where do you want to be financially five, ten, twenty, or even fifty years from now? This is a broad assessment of what is important to you. Each client’s goals are unique, and we work hard to acknowledge and respect that.
  • Retirement Planning

    In the accumulation phase of saving for retirement, we will answer three basic questions; “How much do you need to save?”, “Where should your retirement savings be held?”, and “How should they be invested?”
  • Education Planning

    Paying for college has become more complex than just knowing how much you need to save. Beyond that, we address investment allocation, tax advantaged savings vehicles, and financial aid eligibility.

  • Asset Allocation

    Much of our efforts focus on developing and monitoring clients’ investment allocation. Whether accounts are held at our firm, or externally as with employer sponsored retirement plans, our approach is comprehensive and highly refined to optimize risk adjusted return at the portfolio, allocation, and holding level.
  • Tax Planning

    As we prepare your taxes, our goal is to optimize advantages like tax deferred investments and specialized deductions, and broadly assess the tax efficiency of clients’ investments. We also keep abreast of tax law changes that would affect clients like Roth conversion incentives and estate tax limits.
  • Protection Planning

    The unforeseen should not derail your financial goals. Protection planning involves a frank assessment of your personal financial risks, and of the strategies in place to protect against them. This often includes examining insurance alternatives, as consistent with our fiduciary obligation to pursue only that solution that is best for the client.
  • Estate Planning

    As with other facets of planning, we begin with a general discussion of client desires for protecting their family. Beyond legal strategies fulfilled in wills, trusts, and powers of attorney, we help clients ensure that their estate plan is fully implemented by monitoring things like beneficiary designations and asset ownership.

Financial Planning

Posted in General

If you’re reading this, you’re probably looking for answers to some fundamental questions like:


1What is the best way to access my savings to create retirement income?

2How should I be investing for my children’s college education?

3Do I need to update my estate plan?

At LeConte Wealth Management, financial planning isn’t just about answering the questions you have, but discovering the answers to the ones you didn’t know you should be asking.  And our commitment to you is that the answers will be clear, objective, and achievable.



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  • 1 865 379-8200