Our Personal CFO Approach
At Brown PCFO, we believe that you are the CEO of your household finances, and we serve as your Personal CFO, providing the crucial information and insights you need to make the best and most informed decisions. Our approach is strategic and holistic, addressing every aspect of your financial life. Whether it’s comprehensive wealth management or targeted planning, we partner with you to develop personalized solutions aligned with your goals and values. Our goal is to empower you to optimize your financial resources, giving you the clarity and confidence to focus on what matters most.
Personal CFO Services
Our Personal CFO Services offer comprehensive wealth management designed to help you take control of every aspect of your financial life. Whether you’re looking for ongoing advice or personalized strategies to achieve your financial goals, we are here to guide you with a full suite of services.
What’s Included:
✔ On-Demand Advice – Get answers when you need them.
✔ Investment Management – Tailored strategies to help grow and protect your assets in alignment with your risk capacity and tolerance.
✔ Cash Flow & Budget Analysis – Ongoing monitoring to ensure your financial habits align with your goals.
✔ Vocational Freedom & Retirement Planning – Crafting a roadmap for work-optional living.
✔ Financial Projections – Clear forecasts to help you plan for major financial milestones.
✔ Tax Planning & Strategy – Annual tax prep assistance and ongoing strategic guidance. Coordination with your CPA for tax planning and compliance.
✔ Estate Planning – Ensuring your legacy is secured and your wishes are followed through collaboration with your estate attorney.
✔ Insurance Analysis & Risk Management – Assessment of your coverage and strategies to mitigate risks.
✔ Benefits Review & Enrollment Guidance – Maximizing employer-provided benefits.
✔ Portfolio Paycheck – A systematic process that smooths irregular income streams and manages cash flow by paying yourself a consistent “paycheck” from your investment account, optimizing cash balances and supporting a seamless transition into retirement.
✔ Education Planning – Preparing for future educational expenses and utilizing tax advantaged strategies save intentionally toward these goals.
✔ Stock Compensation Guidance – Assistance with navigating stock options and equity compensation.
✔ Coordination of Professional Team – We work seamlessly with your accountant, attorney, and other advisors.
✔ Social Security Analysis – Strategies to optimize benefits within the framework of your plan.
✔ Real Estate Planning – Guidance on property investments and planning.
✔ Next Generation Planning – Provide Personal CFO services for your adult children at a grouped household rate (based on combined assets under management), allowing for a seamless introduction to Brown PCFO and fostering financial success across generations.
✔ Recurring Check-Ins – Regular reviews to stay on track.
✔ Annual Monitoring Report – Comprehensive summaries to ensure progress.
Fee Structure:
For households with under $1M AUM, the fee is 0.95%.
For households with $1M-$3M AUM, the fee is 0.75%
For households with over $3M AUM, the fee is 0.50%.
(Fee rates are not blended, a fee is assigned based upon household Assets Under Management (AUM). Fees are charged quarterly and paid in arrears, typically from your investment accounts.)
Personal CFO Consultation
Our Personal CFO Consultation is a focused, one-time engagement designed to give you clarity and direction on your financial journey. This service is ideal for individuals or families who seek expert financial advice with the flexibility to implement the recommendations themselves.
Engagement Process:
Month 1: Data gathering and goal discovery.
Month 2: Detailed analysis and review of your financial situation.
Month 3: Implementation assistance and guidance.
What’s Included:
✔ Investment Allocation Recommendations – Strategies tailored across your total portfolio.
✔ Financial Projections – Clear financial outlooks based on your goals.
✔ Vocational Freedom Analysis – Planning for work-optional living.
✔ Risk Management – Recommendations for protecting against unexpected events.
✔ Estate Planning Recommendations – Ensuring your estate plan reflects your wishes.
✔ Professional Team Recommendations – Guidance on assembling the right professional team.
✔ Company Benefits Review – Evaluate and maximize your workplace benefits.
✔ Social Security Analysis – Strategies to maximize your benefits.
✔ Specialized Reviews (e.g., Retirement Readiness) — Customize your consultation to focus on specific areas such as retirement readiness, business exit planning, or navigating complex compensation packages.
✔ Post-Implementation Check-In – Ensuring you stay on track after the plan is in place with a one-month and 12-month check-in.
✔ Prioritized Access to Ongoing Services — Receive priority onboarding into our full-service Personal CFO offering if you choose to extend your financial planning engagement.
Fee Structure:
$250/hour: Engagements typically range between 15-30 hours depending on your current situation and complexity.
(Fees are billed upon completion of the plan delivery.)
Carefully read Items 4 & 5 of Form ADV Part 2A for more details on Brown PCFO’s services and fees.
