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Investment Management

We manage an investment portfolio for you based on your risk tolerance, desire for return, and time horizon. We build portfolios made up of a tax-efficient, optimal mix of mutual funds, exchange-traded funds, and closed-ended funds.

We also offer optimization of your employer retirement plan at no additional charge.

We offer over a dozen professionally designed, low-cost, tax-efficient portfolios for only .03% per month in our Advisor Guided Investment Management program.

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Financial Planning

Sommers Financial Management offers dynamic, interactive financial planing technology that outlines your retirement and education savings goals, and shows multiple paths that allow you to achieve those goals, based on your current situation and future plans for saving and investment.

Our financial planning service has free tools available to everyone. We also offer a “no-strings-attached” one time financial plan built utilizing the skills, time and knowledge of one of our financial planners, with ongoing access to our online planning tools. For this service we ask for a one time plan fee of 1% of your AGI, up to $1,600.

Comprehensive Financial Planning is included with our Wealth Management service ($250,000 minimum investment).

Click “LEARN MORE” for more details, or “GET STARTED” to start your financial plan.

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Wealth Management

For clients who would like us to manage more than $250,000 for them, we offer comprehensive wealth management that includes customized investment management AND our PREMIUM financial planning service for one quarterly advisory fee.

Financial Planning Investment Management Wealth Management
Cost 1% of AGI up to $1,600 0.03% per month 0.05 – 0.25% per quarter
Minimum Investment $0 No minimum $250,000
Portfolio Construction Suggested Allocation Model Personalized
Phone & Email Consults
Online Document Storage
Online Account Access Holistic Overview
Performance Reporting
Online
Dollar Cost Averaging
ETFs
Mutual Funds
Liquid Alternatives
Bond Ladders
Automated Re-balancing
Electronic Deposits/Withdrawals
Retirement Planning
Basic
Budgeting / Cash Flow
Net Worth Tracking
Debt Management
Education Planning
Life Insurance Analysis
Tax Planning
In-Person Meetings
Tax-Loss Harvesting
Individual Stocks
Individual Bonds / CDs
Private Notes
Options Trading
Structured Products
Approximate Annual Cost: One time plan fee up to $1,600 0.36% Less than 1%
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