Todd & Associates is an independent, unbiased fee-for-service financial planning firm specializing in wealth management services for clients.  Our primary responsibility is to protect and enhance our client’s Net Worth, by taking care of all aspects of their financial lives.

We focus on all the key areas of wealth management for clients including the development of investment strategies, the oversight and direction of services by investment counseling firms, the preparation of financial and retirement planning strategies for our clients, the preparation of tax returns and tax planning strategies for clients and family members, and assistance with estate planning and risk management strategies for our clients.

Our service integrates overall strategic direction with risk management, investments, income tax, legal issues, and cash management. We prepare personal tax returns for most of our clients.  

Todd and Associates has an uncompromising commitment to act in the best interests of our clients. We are independent from all that we recommend. We independently research and monitor investment managers. We have an extensive network of specialist professionals that we can call upon when needed.

We work toward ensuring our clients enjoy clarity and confidence regarding their personal finances, as well as cost efficiencies and simplicity. We design solutions that help clients coordinate all aspects of their personal finances, protect their privacy, control costs, and help them focus on whatever their personal priorities might be – family, a business, travel, etc.

Client Portfolio Reviews & Annual Meetings

Clients receive quarterly reviews and reporting on their investments.  An annual meeting with the client's reviews investment performance with the managers and, depending upon the service agreement, will have a complete and comprehensive review of all aspects of their Net Worth.  For tax-preparation clients, this service is provided as well, and during the year ongoing tax strategies are pr presented that affect client circumstance.  

Focus on Strategic Planning

We believe that active, ongoing oversight of investments and tax issues will ultimately improve the Net Worth and lifelong financial security of the client.  We also take into account the management of risk through insurance strategies and continuous review of estate planning documents.  We raise awareness with clients of changes to legislation that affect them, whenever appropriate.

A Single Fee for Services

Our fees are determined as a percentage of investment assets, with a declining tier scale, to ensure economies of scale.  We also have negotiated preferential pricing with various investment management firms, for the benefit of our clients.  We have full disclosure and transparency on our fees.  Clients do not have to worry about receiving a charge for services beyond the negotiated agreement at the time of appointment.  We think this provides the greatest value to our clients.

New Client Engagements

We begin every assignment with new clients by developing a financial plan tailored to their circumstances, including recommendations for actions in all key areas.  This comprehensive plan will look at all aspects of their financial affairs and include a projection of the growth of the net worth based upon our recommendations.  It is through this process of inventing edifying clients needs and objectives that we think that the greatest value will be added over time.  We look forward to hearing from you as to how we can be of service to you as independent fee-based financial planners.