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1430 Broadway, Suite 700, New York, NY 10018

212-532-0144
michael.hess@ceterainvestors.com
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Financial Planning Packages


Our financial planning packages are designed to be simple and transparent, so you can feel confident choosing the plan that fits your goals. We’ve laid out clear pricing and included services to make your decision easy—and if you need guidance, we’re here to help every step of the way.

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Choose How You Want to Work With Us

One-Time Financial Plan

We create a personalized financial plan tailored to your goals, and you take the lead on putting it into action and keeping it on track.

Ongoing Financial Planning

Get a tailored financial plan plus ongoing guidance from your advisor and our team to help implement, monitor, and adapt as your life evolves.

Not Sure What Package Will Fit Your Needs?

Contact Us Today

Everyone’s financial goals are unique, and we believe your plan should reflect that. We’re happy to walk you through our available packages or create a custom solution designed specifically for your needs.


Explore Our Transparent Packages & Pricing

Clear options, fair pricing, and the flexibility to choose what fits your goals. Each package is designed to make planning simple and transparent, so you can feel confident in your choice—and we’re always here to help if you need guidance.


Ongoing Financial Planning

We offer two ongoing financial planning packages, each designed to fit different needs and goals. Our team is happy to work with you to choose the option that’s right for you.

Essential Planning Package

Included Services

  • Initial complimentary consultation
  • 4 In-person and/or virtual meetings per year - quarterly
  • AdviceWorks client portal
    • Online education suite
    • Goal planning
    • All-in-one-place account linking
    • Secure document vault
  • Monthly & quarterly newsletters
  • Educational workshop invitations
  • Budget analysis
  • Employee benefits review
  • Insurance needs analysis: life, disability, long-term care
  • Portfolio analysis
  • Retirement analysis/plan
  • Education funding analysis/plan
  • Tax planning (in coordination with your accountant)


Your Investment

$200 Financial planning fee schedule (monthly)

For new clients, 6 months billed upfront for the first year 

Comprehensive Planning Package

Included Services

  • Initial complimentary consultation
  • 4 In-person and/or virtual meetings per year - quarterly
  • AdviceWorks client portal
    • Online education suite
    • Goal planning
    • All-in-one-place account linking
    • Secure document vaultMonthly & quarterly newsletters
  • Educational workshop invitations
  • Budget analysis
  • Employee benefits review
  • Insurance needs analysis: life, disability, long-term care
  • Portfolio analysis
  • Retirement analysis/plan
  • Education funding analysis/plan
  • Tax planning (in coordination with your accountant)
  • Retirement income plan
  • Pension maximization strategies
  • Required minimum distribution (RMD) Planning
  • Social Security planning
  • Legacy planning (in coordination with an Attorney)
     

Your Investment

$300 Financial planning fee schedule (monthly)

For new clients, 6 months billed upfront for the first year 

One-Time Financial Plan

Included Services

  • Up to 2 planning meetings

  • Portfolio construction

  • Budgeting

  • AdviceWorks client portal

  • Retirement planning

  • Insurance planning

  • State benefits and pension planning

Your Investment

One-time financial plans start at $1,500. 

Assets Under Management Fee Schedule

Complimentary Comprehensive Package services included 

Amounts up to $1,000,000                                                          1.35%

Amounts greater than $1,000,000 up to $5,000,000              1.10%

Amounts great than $5,000,000 up to $10,000,000                0.85%

Amounts greater than $10,000,000                                           Negotiable

Notes:

1. Annual investment advisory fees are billed quarterly and based on the account value at the end of each quarter.

2. Generally, householding your accounts will result in a financial benefit to you due to reduced overall management fees and you should consider householding where applicable.

3. Fee schedule declining based upon investable assets.

4. Clients in Manager or Unified programs will pay a manager fee, based on the selected manager. Not applicable to all programs.

5. Financial planning included at no cost for advisory clients.

6. The advisory program utilized for the application of this information is My Advice Architect.

Financial Planning & Consulting is a complimentary no obligation service provided to new and existing advisory clients. Financial Planning & Consulting Services is completed through a separate agreement from the Investment Management Services agreement. Please refer to firm's ADV Part 2A and the client's agreement for additional platform, strategist or any related fees that may apply.

Our Process

Our Process

Discover how our process turns your goals into a personalized financial plan. From building a trusted partnership to ongoing adjustments as life changes, our approach is designed to keep you confident and in control every step of the way.

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