FAQ's

Yes, selectively. We partner with a limited number of new households each year to maintain the level of attention and service our clients expect. If you value a planning-first relationship and want a dedicated team involved in your financial life, we would be happy to explore whether we are a good fit.

We typically work with households who have at least $500,000 in investable assets or expect to reach that level soon. This helps us deliver personal planning, proactive strategy, and ongoing support at the level our clients expect.

We work with high-income families, professionals, and business owners who want a long-term financial relationship and value a Dual-Focus approach. This means we give equal attention to strategic planning and disciplined investment management, so every part of your financial life works together.

Most clients who thrive here check at least one of the following boxes:

• Earn a household income of $350,000 or more

• Hold $500,000 or more in investable assets

• Have a net worth of $1,000,000 or higher

• Receive equity compensation

• Manage complex cash flow or tax situations

• Have growing family responsibilities and future planning needs

They value straight talk, coordination, and having a trusted team involved in the important financial decisions in their lives.

Our Hybrid fee-based structure is designed so you always know what you're paying and why.

Through our Integrated Wealth Model, financial planning and investment management work together under one roof. As a Dual-Focus Advisory firm, we give equal attention to both strategy and portfolio so your wealth is always coordinated, consistent, and built around your goals.

Why both?

By combining strategic guidance with hands-on management, you receive fully integrated financial care. Your planning and investments always move together, helping you build, preserve, and enjoy your wealth with confidence.

👉 Here’s how it works ⤵️

Flat-Fee Retainer for Financial Planning and Consulting

• Personalized, objective advice that adapts as your life evolves

• Starts at $2,500 annually

Assets Under Management (AUM)

• Ongoing portfolio management aligned with your strategy

• 0.50% to 1.50% of discretionary assets (the more you invest, the lower the percentage)

Example Fee Schedule 📊

• $500,000 – $1,000,000 | 1.00% – 1.35%

  A comprehensive wealth relationship built for people juggling growing careers, equity compensation, income complexity, and family priorities.  Full financial planning and disciplined portfolio management deliver with personal strategy, ongoing guidance and proactive support at every step.

• $1,000,000 – $3,000,000 | 0.75% – 1.00%

  A fully integrated wealth experience with deeper tax awareness, risk alignment, cash-flow strategy, and coordinated estate consideration.  Ideal for households balancing meaningful assets and evolving goals and bigger life decisions.

• $3,000,000 – $5,000,000 | 0.60% – 0.85%

  Sophisticated portfolio construction, strategic alternative exposure, and advanced planning tailored to the complexity that comes with significant wealth and multi-dimensional goals across work, family and lifestyles.

• $5,000,000 – $10,000,000 | 0.50% – 0.75%

  Direct access to the LPL Private Client Team and bespoke investment opportunities.  Purpose-built structures for tax efficiency, legacy planning, business interests, and coordinated strategies across multiple entities.

• $10,000,000+ | Negotiable %

  A fully tailored advisor relationship for families with complex wealth.  Customized investment sourcing, advanced wealth transfer planning, multi-generational strategy, and family governance build around long-term priorities.

Additional Notes:

Insurance products, when recommended, may include commissions. Any potential conflicts are disclosed upfront. Because Flagship Harbor Advisors and LPL Financial do not offer proprietary products, you maintain full flexibility to implement where you choose. Most clients prefer to have us manage both planning and investments for convenience and consistency.

Most of our meetings are held virtually through Zoom or conference call. Our clients value their time and often prefer the convenience of opening a laptop 💻 or making a quick phone call 📱 instead of sitting in traffic. This flexible approach keeps us connected and focused on what matters most: your financial goals 🌟.

Meetings are available Monday through Friday, 9:00am to 6:00pm ⌚️.

We intentionally do not schedule weekend appointments because we value work-life balance. We work hard during the week 💼 and preserve family time ❤️, just as we encourage our clients to do. This balance ensures we are fully present, focused, and energized when we meet with you 👥✨.

In-person meetings are available by special request in Needham, MA.

‣ Year 1:

• Introductory Conversation 👋

• Discovery Meeting 🔍

• Strategy Session 🧠

• Implementation Session 🎯

• 6-Month Progress Check-In ✅

• Ongoing virtual access via phone 📲, text 💬, email 📧, and on-demand meetings 🗓️

‣ Year 2 and Beyond:

• Semi-annual Reviews 👀 with adjustments ♻️ and check-ins ✔️

• Ongoing virtual access via phone 📲, text 💬, email 📧, and on-demand meetings 🗓️

This approach keeps us proactive, focused, and engaged without overwhelming your calendar.

Please use the "Schedule A Meeting" button in the lower right corner of this screen.  There is also a form at the bottom of every page on the website that allows for you to reach out with a question.

Our meeting will be a relaxed, yet focused conversation where we’ll take the time to get to know each other. We’re eager to understand your unique goals while also giving you the chance to learn more about our firm. As we talk, we’ll ask thoughtful questions designed to help you look at your financial situation in new and insightful ways. This is your opportunity to think about your financial future more deeply, and we’ll be here to guide you every step of the way as we begin building the future you envision.

In addition, we’ll briefly review key details about your assets (what you own), liabilities (what you owe), and insurance (what protects you and your loved ones from financial risks). Together, we’ll get a clearer picture of your financial foundation.

What to Expect After Our Meeting

We want to ensure you leave our conversation with clarity and confidence. Here’s what happens next:

✅ Clarifying Your Goals – We’ll review what’s most important to you to ensure we heard you correctly.

✅ Explaining Our Process – You should know exactly what goes into building your financial plan before making any decisions.

✅ Reviewing Costs & Our Hybrid Approach – We believe the best way to serve you is through a hybrid approach, combining personalized financial planning with active asset management. This allows us to tailor a strategy that fits your specific needs while ensuring ongoing guidance as your life evolves.

• Financial Planning Fee – We charge a minimum $2,500 consulting fee for a custom analysis, an executive summary, and clear, actionable recommendations.

• Asset Management Fees – If you choose to have us manage your investments, costs range from 0.50% – 1.50%, depending on the amount of discretionary assets under management.

This hybrid model ensures that you’re not just getting a plan—you’re getting ongoing strategic advice and proactive management to help you navigate life’s financial complexities.

Our Commitment to You

Following our meeting, we’ll document key details to ensure we remember everything relevant to your unique situation. As a courtesy, we’ll also send you a meeting recap summarizing the goals we discussed, any relevant details, and next steps—whether you decide to work with us or not. This may include:

📌 A signed Financial Planning Agreement (if moving forward)

📌 Statements from your financial institutions

📌 Other important documents

Our goal is to provide clarity, value, and confidence, no matter what you decide. Looking forward to the conversation!

Our formula of financial planning is as follows:

We believe that in order for someone to say they received financial planning, the client must feel confident that their planner:

1. Asked questions about their Goals, Challenges and Successes (We call this Discovery)
2. Explore how effectively the client has elected to help protect their family, their health, their life and their legacy. (We call this Capital Protection)
3. Discuss issues that impact the quantitative elements of their financial life with particular attention to how changes in cash flow, market volatility, inflation and other factors will impact the client’s expectations. (We call this Wealth Management)

At Concierge Wealth Management the number of meetings/reviews is left to the discretion of our clients. Oftentimes we find that clients prefer to meet 3-4 times during the first year, and then 1-2 times in years that follow. At the end of each meeting, we use our automated meeting scheduling tool, ScheduleOnce, to set your next meeting just like a doctors office.  You will receive period reminders about our meeting and make changes on your own, should you need to reschedule. We understand your schedule may change, but we want to make sure that we are on your calendar.

By always having a meeting scheduled with Concierge Wealth Management, it ensures that we can both review your personal financial situation, and also learn about changes that may have occurred in your life. 

We don’t prepare taxes because our focus is on being your dedicated partner in financial planning all year round. As your life and finances evolve, it’s important to continually assess how taxes may impact your decisions. We’ll gladly introduce you to a trusted tax professional and work hand-in-hand with them to keep your financial strategy on track.

Similarly, while we don’t provide legal services, we’re happy to connect you with a trusted attorney and collaborate closely to ensure you achieve the best possible outcomes. Our goal is to build a strong, coordinated team that’s fully aligned with your financial goals.