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Have you ever considered if you are getting the best financial advice? Are you receiving advice focused on solving your known (and unknown) problems? Are you getting help from a Fiduciary who has your best interest at heart and not trying to sell you a Product that benefits them and not you?

Road to Advice

Here is the problem –  a lot of planning doesn’t cover every stage of a family’s financial journey. Most guidance stays in a “single lane” of focus(maybe just Retirement) ignoring the complexities of a person’s unique financial situation. How will that large tuition bill for a Child’s College impact your Retirement?  Have you ever thought about how Tax Planning(NOT Tax Preparation) impacts both Retirement and College Funding?

At UFS, we believe in helping YOU understand your wealth so that YOU can make the best decision for your family. From Financial Coaching all the way to Comprehensive Financial Planning we want to help guide you along the path to Financial Peace.

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

Comprehensive Planning

Do you know if you’re on track to reach your goals?

We believe everyone, regardless of how much money they have, can take control of their financial future with personalized financial planning.  Most people don’t have the time or knowledge to keep up with their finances and often make decisions based on their emotions often leading to underperformance in their portfolio 

  • Financial planning helps you understand where you are today and create a roadmap to get you where you want to be.
  • Planning is personalized to you—whether you’re saving for a single goal, like retirement or need comprehensive planning and wealth management.
  • Utilize a proven Ramsey 7 Baby Step process to help you prioritize your goals.

Our role is to guide our clients through the Financial Planning Process and provide reassurance in the decisions they make.  Comprehensive Planning may come in baby steps, but it 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.

 

Why is financial planning important?

Financial planning helps you take control of your future:

  •  Feel more confident about reaching your financial goals
  •  Save for milestones like college and retirement
  •  Build an investment portfolio tailored to your goals
  •  Know where you want to go and how to stay on track

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.

     

    • Periodic Progress meetings
    • 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

    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

    Investment Management

    • 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 & Appeal

    We have a minimum of $250,000 under management or 1% of Assets for Comprehensive Planning.  We do have an upfront charge of $1,200 fee for client on boarding, data gathering, and setting the basis for the financial plan. This upfront charge may be paid 50% in advance and 50% upon delivery of initial base plan.  Currently we are waiving half of the upfront charge as an incentive for clients who are able to complete onboarding and provide the necessary documents and data to complete a plan within 2 weeks of signing agreement.   As a Fee Only Advisory Firm we only get paid for our work directly from our clients and never through commissions or hidden fees.    We believe you are in charge of your money and want to have you engage with us on a collaborative plan to help you achieve your goals.  

    Our standard advisory fee is based on the market value of the assets under management and is calculated as follows: 

    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

    Start Now –  Electronically Sign Our Agreement HERE

    Please note other Fee Options may be available so be sure to ask us about them if you won’t meet our minimum.

    Investment Only- Personalized Portfolio

    Focused on Investments Only without Financial Planning.  We don’t believe in a Cookie Cutter Approach to portfolio management.  We can build a portfolio customized for you and coordinate across all of your assets including your 401k at work.  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

     

    Start Now –  Electronically Sign Our Agreement HERE

    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

    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

     

    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™

    Financial Advisor Award Badge
    Image displaying Fee Only Network Logo
    Image displaying CFP Logo which stands for Certified 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.

    Address

    4801 Glenwood Avenue
    Suite 200-630
    Raleigh NC 27612

    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.