Services

In pursuit of Sycamore’s goal to provide affordable, objective, high-quality financial advice to all who seek it, we deliver our services in two distinct offerings:

• Financial Planning
• Financial Planning Plus

Both service offerings deliver the same rigorous and objective, fee-only financial advice with Financial Planning’s hourly fee structure permitting more flexibility in preparing smaller engagements, and Financial Planning Plus providing a single annual fee for the complete complement of Sycamore’s advice.

Below is a brief summary of the differences in these two service offerings.  For a more detailed discussion of each, click “Learn More” below.

Fee-Only. Sycamore receives no referral fees or commissions from any third parties. Being fee-only allows us to focus exclusively on your best interest and to provide objective recommendations to help you achieve your financial goals.

Comprehensive. Sycamore Financial Planning provides a full range of customized financial planning services. While we prefer ongoing, comprehensive financial planning relationships because they provide clients with the most in-depth financial analysis and Sycamore with the best chance to get to know you, your values, and goals, we also recognize that a one-time engagement or quick check-up may be a better fit.  We’re happy to work with you in whatever way is best-suited for you.  

Investment Management. Sycamore Financial Planning’s core service offering, Financial Planning, provides a detailed action plan that is designed to be implemented by the client.  However, some clients want additional help with investment implementation and monitoring.  This additional assistance is commonly referred to as investment management and is a primary difference between our two service offerings.

Client Meetings. Usually meeting once a year is sufficient to keep a portfolio balanced and a financial plan on track.  However, some clients prefer more frequent meetings with their adviser.

Pricing.  All of Sycamore’s services are based on an hourly rate.  In the Financial Planning service, your fees are based on the hours of billable time expended by Sycamore to prepare your plan.  For the Financial Planning Plus service, an annual fixed fee is calculated based on the complexity of the particular client’s needs and the amount of time Sycamore estimates it will take annually to meet those needs.  Sycamore Financial Planning does not require its clients to have a minimum amount of assets, account size, net worth, or income.