We have a level of service that’s right for you.

Personal Financial Services

Financial Projects

  • A one-time financial analysis tailored to the areas that matter most to you.

    Typical Duration of Service: 4 to 6 Weeks, 3-4 Meetings

  • Your project deliverable will include clear, step-by-step instructions to help you confidently implement our recommendations on your own.

  • Our projects are best suited for individuals who feel confident implementing recommendations and managing their finances independently.

    Whenever your plan needs a refresh, we’re here—just come back for a new project!

    • Those who want access to professional financial advice without long-term commitments.

    • Individuals in need of clarity on a particular financial topic.

  • Range: $3,600 - $15,000

    Financial Foundations Project $3,600

    Retirement Readiness Project $4,800

Investment Management Only

  • Professional management of your investments, focused on growing and protecting your portfolio based on your goals and risk tolerance.

  • Leave the research and rebalancing to our team of experts.

  • We strive to keep our clients informed and confident in their investment strategy. This includes check-in meetings as often as quarterly, insightful monthly newsletters, and market updates through blog posts and videos.

    Plus, we’re always here - reach out anytime with questions or concerns.

  • Clients seeking the benefits of professional portfolio management:

    • Diversified, research-driven investment strategies

    • Ongoing monitoring and rebalancing

    • Tax-efficient investing

    • Risk management

    • Access to financial experts and alternative investments

  • Minimum Annual Fee: $4,000

    Fee based on:

    1% of the first $1 million of assets under management,

    0.8% of assets between $1 million & $2 million,

    0.6% of assets above $3 million.

Wealth Management

  • Complete, ongoing financial planning and investment management, covering all aspects of your financial life with personalized guidance and proactive support.

  • We view Wealth Management as a partnership. We provide expert guidance, tailored strategies, and ongoing adjustments, while you stay actively involved in making decisions and putting the plan into action.

  • Regular check-ins keep you on track, help you adapt to changes, and ensure your plan evolves with your goals.

    • Clients seeking the benefits of professional portfolio management.

    • Those looking to delegate the complexities of managing their wealth to trusted experts.

    • Individuals who want to optimize their finances with a strategy that integrates every aspect of their financial plan—investments, taxes, retirement, and estate planning—working in harmony for maximum impact.

  • Minimum Annual Fee: $9,600

    Fee based on:

    0.8% of net worth values up to $4 million

    0.6% of net worth values between $4 million & $10 million

Business-Personal Wealth Integration Services

Virtual Chief Financial Officer (vCFO)

Illuminate’s Virtual CFO engagement provides strategic financial oversight for businesses with $500,000+ in revenue and 1-10 employees that don’t have a dedicated CFO. We handle bookkeeping, payroll, invoicing, tax strategies, and financial planning, tailoring our services to your business’s needs and goals.

What sets us apart is our seamless integration of business and personal finances. Through our Virtual CFO service, clients also benefit from comprehensive Wealth Management, ensuring a cohesive strategy that aligns business operations and personal wealth to support long-term goals.

With no extra fees for third-party software, Illuminate acts as your trusted financial partner, helping you make smarter decisions for both your company and your future.

    • Business owners seeking to delegate financial management tasks and focus on growing their company.

    • Individuals seeking to maximize growth by aligning business and personal wealth.

  • Range: $1,250 - $7,500 (per month)

    Fee can be negotiated at advisor discretion based on facts and circumstances of client scope, complexity and business needs.

We Cover the Complete Picture

Annuity Analysis | Budgeting | Business Succession Cashflow | Charitable Giving | College Savings | Divorce | Employer Benefits | ESG Investing | Estate Planning | ESPP | Financial Independence | Goals | Individual Muni Bonds | Insurance | Investments | Long-Term Care | Medicare | Pensions | Retirement Readiness | Roth Conversions | Risk Management | RSUs | Self-Employment | Social Security Optimization | Stock Options | Tax-Efficiency | Tax Loss Harvesting | Tax Planning | Trust Planning | Wealth Transfers

Investments

There are plenty of opinions about the best way to invest. It’s difficult to know which advice to follow. We believe in research. We believe you should take as much risk as you need to reach your goals, but no more. It doesn’t matter what other investors are doing, your goals should be your benchmark.

Retirement Planning

Whether you want to retire at 50, or never, you need a plan. You want know how much your retirement income will be. You want to know which accounts to take money out of. You want to know if you have enough money to do whatever it is you want to do. We understand, and will make sure you’re never in the dark with a comprehensive retirement plan.

Tax Planning

The problem with taxes is that they are complex and ever changing, and most financial planners don’t change. We believe that proactively using the tax code to your advantage is an easy way to keep money in your pocket. Our Wealth Management services include tax preparation.

Cash Flow Planning

Budgets are boring and time consuming, but cash is key. Prioritizing where your money goes is fundamental to financial planning. We are here to make the process simple but impactful with detailed, forward-looking cashflow projections.

Insurance & Estate Planning

No one wants to think about the bad things that could happen. Unfortunately, sticking your head in the sand leads to being unprepared in the worst moments. We can help you understand your risks and craft a plan to protect you and your loved ones.

Financial Psychology

Your relationship with money impacts every financial decision you make; whether you view wealth as an achievement, source of security, or opportunity for a better life. We incorporate your unique relationship with money into all of our recommendations.