Services & Pricing

Our goal is to give you a clear understanding of your current financial status along with plan to serve as a solid foundation moving forward into the future. These are our most common ways we help clients, but a customized solution may be available as well. Financial Coaching is usually based on hourly rate and is focused on guiding clients through the Dave Ramsey 7 Baby Steps.

 Please Click here for our Full Disclosure Document

College Pre-Approval

Student Loan debt is more than $1.6 Trillion and growing leaving Families and Students drowning in debt. Our College affordability assessment  for one student helps streamline the process of how to pay for college so you can see side by side all of the schools on your students list.  We guide you to be an informed consumer of a college education with the idea of helping you lower the cost of tuition and minimizing student loan debt through advance planning.

 

Ideal for high school students who have a standardized test score (ACT/SAT) and a list of colleges. Parents only want the best for their children and before they think about Retirement they are often challenged to figure out how to pay for college. The loans parents now take are robbing them of dollars needed for retirement while students are delaying life events due to their own debt.

A 90-minute “power session” (some pre-work required by the client)

 

  • College Pre-Approval™ Budget
  • Expected Family Contribution (EFC)
  • Net Cost Projections (for each college)
  • Need-based Aid Enhancement Ideas
  • Merit-based Aid Enhancement Ideas
  • Student Loan Projections

 

$499 for College Pre-Approval only or included in Comprehensive Planning

2 Steps To Get Started

1. Click here to Register and Onboard

2. Financial Planning Agreement College Pre-Approval Only

 

Investment Only

Focused on Investments Only without Financial Planning.  Managed either through a Custody relationship with TD Ameritrade Institutional or FeeX for 401k Management.  When it comes to investing, it is natural that your emotions can get in the way. It’s human nature to overthink, overreact, and, at times, be overwhelmed.  We use a Quanitative Risk Assessment to identify an appropriate Portfolio so you can invest fearlessly.

Ideal for anyone who does not have the knowledge or time and wants to delegate investment management to a professional.  We can help by making sure you stay on track for retirement or paying for college.  Through an assessment of your comfort level we ensure your investments are in the right place at the right times.

 

2. Choice of Management either through a Custody relationship with TD Ameritrade Institutional or FeeX for 401k Management. 

Financial Planning

  • Client Planning Portal
  • 401k & 403b Fund Recommendations
  • Net Worth Statement
  • Emergency Fund Recommendation
  • Asset Allocation Selection
  • Next Steps & Planning Prioritization

Investment Managment

  • Investment Policy Statement
  • Account Setup & Transfer Support
  • Low-cost Institutional Funds
  • Rules-based Rebalancing
  • Asset Location Tax Strategy
  • Investment Performance Reporting
  • Quanitative Analysis Riskalyze Score
  • Capital Gain/Loss Harvesting
  • Tax-Efficient Distributions
  • RMD Execution
  • Manage
  • Access to Trust Services

College

  • 529 Plan Advice

 

Account Value

Annual Advisory Fee

$0 – $150,000

1.25%

$150,001 – $250,000

1.15%

$250,001 – $500,000

1.00%

$500,001 – $1,000,000

0.90%

$1,000,001 – $3,000,000

0.80%

Click Here To See Disclosure Covering Higher Tiers

Comprehensive Planning

Combines Investment Management and Financial Planning into a Holistic Package. Ongoing comprehensive planning advice, covering all areas of personal finance, with a regular schedule of progress meetings.

 

Ideal for those who want to continuously collaborate on financial planning, ideas, delegate investment management to a professional, and have an accountability partner to stay on track toward goals.

  • Progress meetings at least every 6 months
  • Retirement and College focus sessions
  • Ad hoc planning meetings as needed for life & financial transitions also included.

Financial Planning

  • Client Planning Portal
  • 401k & 403b Fund Recommendations
  • Net Worth Statement
  • Emergency Fund Recommendation
  • Retirement Planning
  • Asset Allocation Selection
  • Plan Stress Testing (Monte Carlo)
  • Social Security Modeling
  • Medicare Cost Planning
  • Next Steps & Planning Prioritization
  • Debt Management Decisions
  • Employer Benefits Advice
  • HSA Funding
  • Goal Creation & Timeline
  • Social Security Elections & Timing
  • Pension Elections & Timing
  • Goal Progress Tracking

Investment Managment

  • Investment Policy Statement
  • Account Setup & Transfer Support
  • Low-cost Institutional Funds
  • Rules-based Rebalancing
  • Asset Location Tax Strategy
  • Investment Performance Reporting
  • Quanitative Analysis Riskalyze Score
  • Capital Gain/Loss Harvesting
  • Tax-Efficient Distributions
  • RMD Execution
  • Manage
  • Access to Trust Services

College

  • College Pre-Approval™ Budget
  • Expected Family Contribution (EFC)
  • Net Cost Projections (for each college)
  • Need-based Aid Enhancement Ideas
  • Merit-based Aid Enhancement Ideas
  • Student Loan Projections
  • College Funding Gap Analysis
  • College Savings Strategies
  • 529 Plan Advice
  • Guidance on Financial Aid Forms Filing
  • Student Award Analysis & Appeals

Advanced Planning

  • Income Tax Planning
  • Life Insurance Analysis
  • Disability Insurance Analysis
  • Long-Term Care Insurance Analysis
  • Employee Stock & Options Planning
  • Annuity Planning (existing only)
  • Charitable Giving
  • Estate Planning
  • Business Owner Planning
  • Budget & Cash Flow Management

$2,500 annual fee minimum* Based on Assets Under Management of $250,000 at 1%

2 Fee Options

1. Fee is paid from Assets Under Management (Reference Table Below) or

2. Fee is paid directly through electronic draft starting at $210 a month if we are not providing Specific Investment Advice (Self Directed).

We waive the Monthly Fee for Planning if Asset Minimum is met so you only pay one fee. Onboarding Fee may apply.

Click Here for Transparent Fee Disclosure

 

Account Value

Annual Advisory Fee

$0 – $150,000

1.25%

$150,001 – $250,000

1.15%

$250,001 – $500,000

1.00%

$500,001 – $1,000,000

0.90%

$1,000,001 – $3,000,000

0.80%

Click Here To See Disclosure Covering Higher Tiers

Image displaying Fee Only Raleigh Financial Planner Mark Kelly, Founder of University Financial Strategies

Would You Like Help Creating A Plan For Your Child's College Fund Or Your Own Retirement Needs?

We Help Families & Individuals Create Financial Plans For Success.

Mark Kelly, Certified Fee-Only Raleigh Financial Planner™

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Check the background of this financial professional on FINRA’s BrokerCheck & AdvisorInfo

At University Financial Strategies our mission is to help families think beyond just saving for college, but helping leverage strategies that leverage your unique situation to help you save on college costs. We take into consideration topics like specialized college-planning strategies for business owners, planning for financial aid, school-specific scholarships, coordinating college planning with grandparents, cash-flow strategies and options for covering shortfalls, to name just a few.

Disclaimer

The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, University Financial Strategies, LLC.(referred to as "University Financial Strategies") disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose. University Financial Strategies, LLC.does not warrant that the information will be free from error. None of the information provided on this website is intended as investment, tax, accounting or legal advice,  as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments.

Your use of the information is at your sole risk. Under no circumstances shall University Financial Strategies, LLC.be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if University Financial Strategies, LLC.or a University Financial Strategies, LLC.authorized representative has been advised of the possibility of such damages. In no event shall University Financial Strategies, LLC.have any liability to you for damages, losses and causes of action for accessing this site. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.