Is Level Financial Advisors a fiduciary?

Yes. We serve as fiduciaries, which means we are obligated to act in your best interest when providing investment advice. We believe that serving as your trusted advisor requires putting your interests first. Further, all of our advisors are CFP® professional (CERTIFIED FINANCIAL PLANNER), widely considered to be the most rigorous standard in our industry.

Is Level Financial Advisors fee-only?

Yes. We operate on a fee-only basis. We don’t receive commissions for selling investment products or recommending particular investments.

What does Level Financial Advisors do?

We help you make confident financial decisions before and throughout retirement. We bring together investment management, retirement income planning, tax planning, and legacy planning so that the different pieces of your financial life work together.

What makes Level different from other financial advisors?

We believe financial advice should go beyond simply managing an investment portfolio. We look at your entire financial picture—including your investments, income, taxes, spending, and legacy goals—and help you make decisions with your long-term financial well-being in mind.

What types of clients does Level Financial work with?

We primarily work with individuals and families who have accumulated meaningful retirement savings and want a thoughtful strategy for managing those assets throughout retirement. Our clients value having a trusted advisor who can help them make informed decisions as their financial circumstances evolve.

Can you work with my existing investments and accounts?

In many cases, yes. We’ll first take the time to understand what you already own and why you own it. From there, we’ll determine how your existing accounts and investments fit into your overall financial plan.

How often will I meet with my advisor?

We’ll determine the appropriate frequency based on your circumstances and needs. Our relationship is ongoing and customized to your needs, so we’ll be there to help you navigate important financial decisions as they arise.

What should I bring to my first meeting?

If you have them available, it can be helpful to bring information about your investment and retirement accounts, income, Social Security, pensions, insurance, taxes, and estate plan. Don’t worry if you don’t have everything—we’ll help you determine what information we need.

Do you try to predict the stock market?

No. We don’t believe anyone can consistently predict what the market will do next. Instead, we focus on building a diversified portfolio, managing risk appropriately, keeping costs low, and maintaining a long-term perspective.

How do you create a retirement income strategy?

We’ll look at all of your potential income sources and assets—including investments, Social Security, pensions, and other resources. Then we’ll consider taxes, spending needs, and your goals to develop a coordinated strategy for generating retirement income.

How do you invest my money?

We use a disciplined, evidence-based investment approach. We build globally diversified portfolios using low-cost investments and focus on keeping your portfolio aligned with your goals, time horizon, and overall financial plan.

Can you help me plan for my children or grandchildren?

Yes. If leaving money to the next generation is important to you, we’ll incorporate those goals into your overall financial plan. We can help you evaluate gifting, education funding, wealth transfer, and other strategies in the context of your broader financial picture.

Can you help me reduce my taxes in retirement?

We’ll look for opportunities to make your retirement income as tax-efficient as possible. That can include decisions about which accounts to draw from, when to take income, and how different financial decisions may affect your tax liability.

Can you help with estate and legacy planning?

Yes. We’ll help you think through how you’d like your wealth to be transferred and work alongside your estate-planning attorney and other professionals when appropriate.

Do you provide tax planning?

Yes. Tax planning is an important part of our financial planning process. We’ll look at how your investment decisions, retirement income, withdrawals, and other financial decisions may affect your taxes.

Can you help me decide when to take Social Security?

Yes. We’ll consider Social Security as part of your broader retirement income strategy. The right decision depends on your circumstances, including your income needs, other assets, tax situation, and retirement goals.

How much money do I need to retire?

There isn’t one number that works for everyone. We’ll look at your expected spending, income sources, investments, retirement timeline, and goals to help you determine what retirement could look like for you.

When should I start planning for retirement?

The earlier you begin, the more opportunities you’ll generally have to make adjustments. But it’s never too late to create a thoughtful plan. Whether retirement is several years away or you’re already retired, we’ll help you understand your options and make decisions based on your circumstances.

We are compensated through advisory fees rather than commissions for selling financial products. We’ll explain our fee structure and any other potential investment-related expenses before you become a client. In most cases, our fees are deducted directly from the accounts we managed in a prorated manner each quarter.

How much do you charge?

For our premium service, we charge 1.15% on the first $500,000 of managed assets, .85% on the next $500,000, .80% on the next $1M, .70% on the next $1M, .60% on the next $1M, and then .50% up to $10M. After $10M, we charge .30%. We do not have a minimum asset amount, but we charge a $6,000 minimum fee for aggregate portfolios (all accounts combined) smaller than $525,000. For our financial-planning-only services, we charge a customized, flat fee, based on each individual case. Your advisor can provide a quotation.

How do I become a Level client?

The first step is simply to talk with us. We’ll learn about your situation, answer your questions, and explain how we work. If we believe we’re a good fit for you, we’ll explain the next steps.

FAQ

We know that choosing a financial advisor is an important decision.

Here are answers to some of the questions we hear most often about our approach, our services, and what it’s like to work with us.

FAQ

We know that choosing a financial advisor is an important decision.

About Level

Working With Us

Investment Management

Tax & Legacy Planning

Retirement Planning

Services & Fees

Getting Started

FAQ

We know that choosing a financial advisor is an important decision.

About Level

Is Level Financial Advisors a fiduciary?

Is Level Financial Advisors fee-only?

What does Level Financial Advisors do?

What makes Level different from other financial advisors?

What types of clients does Level Financial work with?

Working With Us

Can you work with my existing investments and accounts?

How often will I meet with my advisor?

What should I bring to my first meeting?

Investment Management

Do you try to predict the stock market?

How do you create a retirement income strategy?

How do you invest my money?

Tax & Legacy Planning

Can you help me plan for my children or grandchildren?

Can you help me reduce my taxes in retirement?

Can you help with estate and legacy planning?

Do you provide tax planning?

Retirement Planning

Can you help me decide when to take Social Security?

How much money do I need to retire?

When should I start planning for retirement?

Services & Fees

How do you get paid?

How much do you charge?

Getting Started

How do I become a Level client?

Contact Us

Schedule a Free 15-Minute Call

Contact Us