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The Wealth Management Process
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How It Works

The Wealth Management Process is an opportunity for you to experience working with our team, gain insight into where you currently stand financially, and decide if you'd like to work with us on a long-term basis.

Man on the Phone

Step 1 - Initial Phone Meeting

Before committing your time or ours, this 15-minute phone call will give us both a chance to make sure your situation matches our expertise.

On a Video Call

Step 2 - First Virtual Meeting

The goal of this meeting is to get clear on your goals, concerns, and unique financial situation.

We may discuss taxes,  investment portfolios, retirement, and financial goals.

*Please feel free to send us anything you'd like reviewed

Mother and Daughter

Step 3 - Second Virtual Meeting

The goal of this meeting is to demonstrate how our firm can help with your concerns discussed in the first meeting.

We may discuss what we can do to help lower taxes, improve portfolios, reduce threats to retirement, and achieve financial goals.

At this time we will determine (together) whether we are a good fit, if we can help, and what the fee would be.

Man Signing

Step 4 - Third Virtual Meeting/Paperwork

The goal of this meeting is to answer any questions you might have and if you are ready, start the paperwork to become a client.

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Working Together

Once we have decided to work together, we will develop the plan and execute it together.

We will provide a detailed explanation of the process below, and answer

any questions you may have.


Understand your  circumstances


Identify and select goals


Evaluate risk


Implement & Invest


Monitor & Update

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Our Fees

Transparency is a core value of Mainstay Capital.


Below are our fees for the Retainer Program as well as the Portfolio Management Program.


All clients pay the Retainer Program Fee, with asset management being an additional fee based on assets managed. At the bottom of the page, there is an illustration comparing the combined fee to the standard one-percent industry average.

Portfolio Wealth Management
Financial Planning Retainer Program

Not sure which plan is right for you? Don't worry!

We'll figure this out together in our initial no-obligation meetings.

Growing Plus

$480/ year

Paid $40 monthly

Services may include:


Cash Flow

  • Emergency fund vehicle and level

  • Debt payoff strategies

  • Employee benefits review

  • Cash flow projections

  • Pre-65 healthcare planning

  • Job/Career change evaluation

  • 401k and IRA contributions

Tax planning Services

  • Identify taxable income and tax rate

  • Identify tax-reducing strategies

Investment Services

  • Asset class allocation

  • Portfolio evaluation

Insurance Services

  • Advice on life insurance

  • Advice on general property/casualty 

Growth Unlimited

$900/ year

Paid $75 monthly

All services in the Growing Plus plan, plus:

Cash Flow​​​

  • Income tax planning

  • Home purchase decision

  • "Windfall" planning (Sale of business, inheritance, severance)

  • College education planning

Retirement planning Services

  • Social security claiming strategies

  • Roth conversion strategies

  • Retirement withdrawal planning

  • Timing of retirement

Tax planning Services

  • Plan cash flow for quarterly tax payments

Investment Services

  • Advice on retirement accounts held outside Mainstay Capital

  • Advice on annuities

Insurance Services​​

  • Review beneficiaries

  • Advice on disability

  • Advice on long-term-care

Estate Services

  • Basic estate planning advice

  • Review of existing documents (Will, Trust, Advanced Medical Directive, Power of Attorney, etc.)

Wealth Plus

$1260/ year

Paid $105 monthly

All services in the Growth Unlimited plan, plus:

Cash Flow​​​

  • Deferred compensation strategies

  • Small business retirement plan selection

  • Stock compensation elections (ISO, NSO, RSU, RSA)

Retirement planning Services​​

  • Charitable giving strategy

  • Pension election planning

Tax planning Services

  • Coordinate with CPA

  • Stock comp structuring/strategies

Investment Services​​

  • Detailed portfolio customization and design

Insurance Services

  • Review asset allocation within cash balance plans

  • Review "in-force" ledgers and illustrations for existing policies

Estate Services

  • Estate design

  • Charitable estate planning

  • Estate settlement advice

  • Advice on trusts

  • Coordinate with Estate Attorney

Partnering with Altruist

We choose to partner with Altruist.

Altruist is:

A modern custodian and brokerage providing

top-shelf software tools.

An investment platform for families,

individuals, and small businesses.

Our fees

Assets Managed                 

under $200,000.00                   

$200,000 to $500,000            

$500,000 to $1,000,000          

$1,000,000 to $5,000,000         

in excess of $5,000,000         

Annual Fee        INCLUDED (0.00%)





There is no minimum investment amount for Portfolio Wealth Management. All retainer plans include the first $200,000 of investment management.

In your corner.

Ask your advisor how much you paid in fees last year.

Fee-only. Fiduciary. CFP® qualified.

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