Services

Chessie Guidance for Teachers℠

($1,200 Initial Fee + $145/mo)

We believe that teachers do not have great options when it comes to getting quality conflict-free financial advice. In many cases they have 403(b) or 457(b) plans and may contact their reps on occasion to see if they are in the "right funds". They may get fund suggestions or wind up with some sort of insurance policy or annuity. Chessie Advisors has put together a financial planning membership service designed exclusively for K-12 Teachers to address this need.

Our Chessie Guidance for Teachers℠ (previously known as Chessie TEACH℠) service allows our clients one-on-one access to an advisor annually to prepare and update a financial plan (including help with cash flow and budgeting, education funding, retirement planning, risk management, and company benefit coordination) as well as ongoing access to an advisor via email throughout the year for other financial questions that may come up. Also provided is access to Elements®, a financial planning collaboration website, where you can see an up-to-date, current view of your entire financial picture and track your progress. Our Chessie Guidance for Teachers℠ service is designed for individuals or couples earning less than $250,000 annually or with less than $400,000 of investable assets. If one or both of these thresholds are exceeded, our Chessie Guidance℠ service will better suit your needs.

Those also looking for ongoing investment management services for 401(k), 403(b), 457(b) accounts, IRAs, and non-retirement accounts, can couple our Chessie Guidance for Teachers℠ service with our Chessie Portfolios℠ offering.

Click here for more information on our pricing.

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Chessie Guidance℠

($1,200 Initial Fee + $225/mo)

We believe that financial planning is about more than just investments. For those interested in areas such as: cash flow and budgeting, education funding, retirement planning, risk management, estate planning, tax planning, company benefit coordination, as well as periodic investment allocation advice, we offer our Chessie Guidance℠ financial planning membership service.

Our advisors will assist in the development and ongoing implementation of a financial plan. This service typically consists of scheduled phone or video conferences throughout the year. In addition, advisors are available outside of those conferences on an as needed basis. This service is priced as flat annual fee, paid monthly in advance for simplicity. Also provided is access to Chessie Premier™, our client site, where you can collaborate with us and see an up-to-date, current view of your entire financial picture.

Chessie Guidance℠ is perfect for those just starting out in their careers or those in mid-career looking for guidance on planning for retirement, children’s education or other issues and is for those clients whose assets (excluding their primary home) are less than $2,000,000. Those also looking for ongoing investment management services for 401(k), 403(b), 457(b) accounts, IRAs, and non-retirement accounts, can couple our Chessie Guidance℠ service with our Chessie Portfolios℠ offering.

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Chessie Wealth Guardian℠

(Flat fee calculated as 0.40% of Assets subject to $650/mo minimum fee)

Our all-encompassing Chessie Wealth Guardian℠ service combines an ongoing financial planning membership in addition to management and supervision of investment portfolios. It is designed for those clients looking for a true, holistic wealth management service and whose assets (excluding their primary home) exceed $2,000,000. This service combines an enhanced version our Chessie Guidance℠ service along with a customized version of our Chessie Portfolios℠ offering to provide a high-level, high-touch, wealth management service especially for those at or nearing retirement. Also provided is access to Chessie Premier™, our client site, where you can collaborate with us and see an up-to-date, current view of your entire financial picture.

Chessie Wealth Guardian℠ is designed to help clients make final preparations for retirement, assess their risk and need for continued insurance coverage, determine and implement goals pertaining to their estate plans, all with an emphasis on minimizing income and estate taxes while utilizing tax efficient investment portfolio design. It is also a great option for clients who have amassed a sizable portfolio and who need ongoing financial planning support, but are tired of paying an ever-increasing Assets Under Management (AUM) fee to other advisors. Chessie Wealth Guardian℠ is priced as a flat annual retainer fee (paid monthly) and is recalculated annually.

Investment management services provided through the Chessie Wealth Guardian℠ service are done on a discretionary basis. Investment accounts under our management will go through a rebalance analysis at least annually and will be rebalanced as needed. This service typically consists of 2-4 meetings per year and advisors are available outside of those meetings on an as needed basis. In addition, Chessie Wealth Guardian℠ may include management of your 401(k), 403(b), or 457(b) plan. This service is priced as a flat annual fee, paid monthly in advance for simplicity.

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Chessie Portfolios℠

(0.60% of assets managed for those using Chessie TEACH℠ or Chessie Guidance℠, 0.78% of assets managed for all others)

Chessie Advisors provides ongoing management and supervision of clients’ investment portfolios on a discretionary basis through our Chessie Portfolios℠ offering.

Chessie Advisors will work with clients to determine their risk tolerance, investment goals and objectives and how other outside investment accounts may affect how their accounts through us are managed. Using that information, we will recommend a customized portfolio based on the individual needs of the client. As part of the service, client accounts will go through a rebalance analysis at least annually and will be rebalanced as needed.

A 30-minute portfolio review meeting will be held at least annually with clients via phone or video conferencing.

This service is provided via a fee based on the amount of assets being managed. The fees are invoiced and paid monthly, in advance.

Click here for more information on our pricing.