Planning and investment management
The BAS Planning Process
Five stages. One coordinated plan. Clear pricing.
For high earners and business owners who want their personal finances working together.
Sound familiar?
Success creates complexity.
- Accounts spread across employers and years, with no plan connecting them.
- Big goals competing for the same dollars: a home, education, retirement, a business.
- A sense that your taxes could be handled better.
You don’t need another investment opinion.
You need one coordinated plan for your household.
How it works
Built like a house, one stage at a time.
Stage 1: Creating the Blueprint
We gather every account, benefit, debt and goal into one clear picture.
Stage 2: Laying the Foundation
We tighten how cash moves: what you earn, spend, save and pay in tax.
Stage 3: Building the Structure
We invest toward your goals, protect your progress, and decide what to do with each debt.
Stage 4: Fortifying the Structure
Advanced tax and estate planning, and how wealth passes to the next generation.
Stage 5: Maintenance
Regular reviews and adjustments as your income, goals and the tax rules change.
Service levels
Support that grows with your assets.
Every level includes the full planning process. Your level depends on the assets we manage together.
| What you get | Cornerstone, under $1M | Keystone, $1M to $2M | Capstone, $2M and above |
|---|---|---|---|
| Written financial plan | Included | Included | Included |
| Equity compensation planning | Included | Included | Included |
| Planning reviews | 1 a year | 2 a year | 4 a year |
| Tax planning | Annual tax return review | Annual tax return review plus coordination with your CPA | Annual tax return review, coordination with your CPA, plus multi-year strategy |
| Estate planning | Basic document preparation | Basic document preparation plus guidance | Full estate planning with document preparation |
| Investments | Our methodology, designed with taxes in mind | Plus direct indexing for tax-aware diversification, where appropriate | Fully customized portfolio design |
| Access to your advisor | Scheduled reviews and email | Priority scheduling, plus scheduled reviews and email | Priority scheduling, plus availability to you within one business day |
Fees
One annual advisory fee.
Your fee is a percentage of the assets we manage. Like tax brackets, each rate applies only to the dollars inside its band, so your overall rate falls gradually as assets grow.
| Assets under management | Annual rate | Level |
|---|---|---|
| $0 to $100,000 | 1.50% | Cornerstone |
| $100,001 to $250,000 | 1.25% | Cornerstone |
| $250,001 to $1,000,000 | 1.00% | Cornerstone |
| $1,000,001 to $2,000,000 | 0.95% | Keystone |
| More than $2,000,000 | 0.80% | Capstone |
Example: on a $1,000,000 portfolio the overall rate works out to about 1.09%. On $2,000,000 it is about 1.02%. Illustrative only and rounded. Fund and product expenses are separate. Fees are described in Farther Finance Advisors’ Form ADV Part 2A.
How we get started
A conversation first.
Step 1: Complimentary conversation
Thirty minutes. No document gathering beforehand.
Step 2: Share your picture
Statements, equity grants, and a snapshot of income and spending.
Step 3: Walk through it together
We review what we find and answer every question.
Step 4: Begin if it’s a fit
If we both agree, we start with Stage 1 and your first priorities.
There is no obligation at any point before you become a client.
The first conversation is about whether this is a good fit for both of us.
For how the five stages run in practice, see how we help. For the two groups this work is most often built for, see the H.E.N.R.Y. Strategy and the Business Owner Blueprint.
Book your complimentary 30-minute conversation
Book my intro callA 30-minute call. No document gathering beforehand, and no obligation afterwards.