SERVICE OFFERING
Initial consultation and account set-up assistance
Automated investment management & online performance reporting
Foundational money coaching & access to online budgeting tools
Access to a Certified Financial Planner (CFP®)
Financial Plan: Real-time & cloud-based comprehensive financial planning
Tax: CPA® prepared tax returns and proactive tax planning
Estate Planning: Document review & Wealthquest credit to update or establish plan documents
Investment Planning: Customized investment management that combines active, passive, & alternative strategies
Family Legacy Planning: Generation-skip & tax reduction strategies
Advanced charitable strategies using charitable trust design, donor advised funds, and private family foundations
 
$5,000 - $350,000

Pay Separately

 
 
 
 
 
$350,000 - $2,500,000
 
 
> $2,500,000

The Wealthquest Financial Path

Investments Starting at $5,000

You’re in the thick of it. While family and work demand the best of your time and energy, you realize that planning your financial future isn’t getting the attention it deserves. Sure, someday you’ll get around to building a plan, but the cost of inaction is real and carries high risks for you and your family. With Ascend, we work with you now to build an investment strategy and financial plan that fits your needs. Then, as you continue to invest, save, and set goals for your future, you can trek on with confidence – knowing you have the expertise of an entire investment firm as your guide.

Whether it’s paying down debt, saving for college, or balancing a budget, we take the guesswork out of planning your financial future. With a Certified Financial Planner (CFP®) as your guide, you’ll be able to pursue your financial goals with intentionality and confidence.

Financial Planning and Investment Management Services Offered Separately

Intelligent Investment Management

Management Fee: 0.80%/year

By leveraging cutting edge technology, implementing a well-diversified investment strategy, and minimizing the cost of investing, we’ve built efficient portfolios that seek to maximize returns for your given level of risk.
Our investment advantage

  • Automatic Rebalancing
  • Low-cost ETF portfolios with No transaction fees
  • Globally Diversified Asset Allocation
  • Tax Loss Harvesting

WE GIVE YOU OUR BEST THINKING NO MATTER HOW MUCH YOU HAVE TO INVEST

Personalized Financial Planning

Annual Financial Planning Fee

Whether you’re just looking to cover the basics (Basecamp), or would like the full clarity and confidence of a comprehensive financial plan (Pursue), a Certified Financial Planner (CFP®) will be your guide to a strong financial future
Why Financial Planning?

  • Tax-efficient Savings Strategies for Retirement and Education Planning
  • Personal Budgeting and Cash Flow Management
  • Investment Advice for Employer-Sponsored Retirement Plans (401k, etc.)
  • Risk Management Solutions & Estate Planning Analysis

THE PLANNING YOU DO NOW WILL HELP YOU BUILD A RICH LIFE.
ARE YOU ON TRACK TO MEET YOUR FINANCIAL GOALS?

Basecamp

First Year - $750

Critical to your financial journey is a well-established Basecamp. Here, a Certified Financial Planner (CFP®) will perform a basic gear check to ensure you’re prepared for what lies ahead. This includes customized recommendations to protect against unwanted risks and savings strategies that will help you achieve your goals. Every client will also be equipped with their own financial management website for online DIY budgeting and net worth tracking. Through it all, a CFP® professional will be available for ongoing guidance.

Learn More

Pursue

First Year - $1,750

Pursue is about doing the journey with you. Here, we leverage the best technology in the business to build a comprehensive financial plan and put every piece of your financial puzzle in one place. Then, we’ll deliver customized recommendations tailored to your financial journey and give you access to cloud-based financial planning and budgeting software so you can track your progress. Finally, we make sure you’ve got a dedicated CFP® professional by your side as you venture through life’s big transitions.

Learn More

Medical Professionals

First Year - $1,350

From navigating the complex world of insurance, to managing student loan debt and saving for the future, physicians have a unique set of financial planning opportunities before them. This is why we’ve built a service tailored specifically to medical professionals and their families. Here, a dedicated CFP® professional will build a strategy that fits your needs and allows you to focus on what you’re best at ‐ serving others.

Learn More

Let's Start The Conversation


Schedule a no-obligation call with a Certified
Financial Planner (CFP®) professional


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FAQs

  • How much do I need to open an account with Ascend?

    A minimum investment account of $5,000 is needed to get started with Ascend.

  • How do I get started?

    First, we want to make sure Ascend is a good fit for you. Therefore, our relationship starts with a no obligation phone call with one of our Certified Financial Planner (CFP®) professionals. During the call, the advisor will learn more about your story and answer any questions you might have. If the glove fits, we’ll work with you through the exercise of opening accounts and/or launching the financial planning process. Schedule Your Call.

  • How much do you charge for investment management?

    We charge a flat fee of 0.80%/yr. on the balance of accounts we manage. Period. There are no trading fees and we don’t earn commissions.

  • How much do you charge for financial planning?

    BASECAMP – An upfront fee of $750 covers initial analysis and recommendations. This initial fee also covers 12 months of access to a CFP® professional and your personal financial website powered by Checkpoint. Starting in year two, a retainer fee will be charged to retain access to the personal financial website, along with the assistance of a CFP® professional.

    PURSUE – An upfront fee of $1,750 is required to build the comprehensive financial plan and generate customized recommendations. This initial fee also covers 12 months of access to a CFP® professional and your personal financial website powered by Checkpoint. Starting in year two, a retainer fee will be charged to retain access to the personal financial website, along with the assistance of a CFP® professional.

    MEDICAL PROFESSIONALS – An upfront fee of $1,350 is required to build the comprehensive financial plan and generate customized recommendations. This initial fee also covers 12 months of access to a CFP® professional and your personal financial website powered by Checkpoint. Starting in year two, a retainer fee will be charged to retain access to the personal financial website, along with the assistance of your CFP® professional.

    RETAINER FEE FOR YEAR 2 AND BEYOND:
    AUM $5K- $99K $550/YEAR
    AUM $100K - $199K $350/YEAR
    AUM $200K - $299K $200/YEAR
    AUM $300K - $350K $50/YEAR
  • How will my accounts be invested?

    Ascend accounts are invested on the Charles Schwab platform.

    Global Diversification: With an investment strategy modeled after Nobel-Prize winning research and Modern Portfolio Theory, Ascend portfolios are built using low-cost ETFs across twelve different asset classes. By minimizing the total cost of investing and utilizing diversification, our portfolios seek to maximize returns for every given level of risk.

    Automatic Rebalancing: As the value of your investment account changes, Ascend portfolios are automatically rebalanced to ensure the integrity of your optimal asset allocation. This risk-management strategy reduces unwanted risk. It also locks in returns by selling assets that have appreciated and then buys positions that are underpriced.

    Tax-Loss Harvesting: Once a strategy for only the most sophisticated investors, tax-loss harvesting has proven to be an effective strategy for offsetting investment related taxes. This is done by selling a position that has experienced a loss and immediately replacing it with a similar position that keeps you at your optimal asset allocation. This loss that has been ‘harvested’ can then offset taxes on both income and gains in your account. Clients with greater than $50,000 can utilize this tool in their taxable accounts.

  • What is financial planning and why do I need it?

    BASECAMP: This exercise is meant to assess your financial vital signs to make sure you are building your financial future on a strong foundation. This includes protecting against unwanted risk and ensuring you are saving efficiently for the future. Once we gather a little bit of information from you, we’ll be able to generate a set of customized recommendations for:

    • Budgeting
    • Life & Disability Insurance
    • Customized Retirement Saving Strategy
    • Estate Planning
    • Investment Recommendation for Employer Sponsored Retirement Plans: 401K, 403B, etc.

    PURSUE: Have you ever wondered how all the pieces of your financial puzzle fit together? Investments, taxes, insurance, estate planning, debt management, education funding – these may just be some of the intertwining elements of your financial picture. Together we’ll sit down and sort through all the moving pieces and build a customized strategy that will help you achieve your goals. All this is done in real time and under the trusted direction of your dedicated Certified Financial Planner (CFP®) professional. This analysis includes, but is not limited to:

    • Cashflow management
    • Retirement Savings & Strategies
    • Tax planning
    • Risk management
    • Estate Planning
    • Education planning
    • Decision coaching
    • Debt Repayment
    • Credit Score Coaching
    • Life Stage Coaching (Having Kids, Buying a Home, Job Transition)
    • Work Benefits Analysis
    • Stock Options – ESPP, RSU, ISO, NQSO
    • Investment Recommendation for Employer Sponsored Retirement Plans: 401K, 403B, etc.

    MEDICAL PROFESSIONALS: Your Certified Financial Planner (CFP®) will know the unique challenges you face and is equipped to bring efficient strategies for getting you on track to meet your financial goals. And, since your CFP® professional is held to a fiduciary standard, you can rest assured that all their recommendations are meant to serve your best interest. Your CFP® professional will develop a strategy for:

    • Cashflow Management & Budgeting
    • Student Loan Planning & Resources
    • Life & Disability Insurance Audit
    • Retirement Savings & Strategies
    • Estate Planning
    • Employer Benefits Review
    • Investment Recommendation for Employer Sponsored Retirement Plans Decision coaching
  • Why should I go with Ascend and Wealthquest?

    As a fee-based Registered Investment Advisor (RIA) we hold ourselves to a fiduciary standard when serving our clients. This is the highest standard of care and means the client’s interest always comes first. In a time when so many financial ‘voices’ surround us – it’s crucial to find someone you trust to give straightforward advice that serves your best interest. Like you, we at Wealthquest are in this for the long haul. We want to get to know you – to hear your story and learn what makes you tick. Only then can we be fully invested in your future. Then, as your life grows more complex over time, we want to be the voice of reason that helps you navigate life’s transitions and big decisions. If you are someone who wants to start saving and planning seriously for your future, let’s get started!



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SERVICE OFFERING
Initial consultation and account set-up assistance
Automated investment management & online performance reporting
Foundational money coaching & access to online budgeting tools
Access to a Certified Financial Planner (CFP®)
Financial Plan: Real-time & cloud-based comprehensive financial planning
Tax: CPA® prepared tax returns and proactive tax planning
Estate Planning: Document review & Wealthquest credit to update or establish plan documents
Investment Planning: Customized investment management that combines active, passive, & alternative strategies
Family Legacy Planning: Generation-skip & tax reduction strategies
Advanced charitable strategies using charitable trust design, donor advised funds, and private family foundations
 
$5,000 - $350,000

Pay Separately

 
 
 
 
 
$350,000 - $2,500,000
 
 
> $2,500,000