Financial Planning and Wealth Management

An Overview of Who Planning Can Help

Who Works with Us

Majority of clients include: Independent consultants and small business owners Business executives Retirees

Work with us for one of several reasons, including: To establish a plan, or to update an existing plan due in the

face of a life-changing event or challenging market Lack the time to maintain a plan and manage their investments To offload responsibility for managing portfolio to an advisor

with whom they will maintain a long-term relationship Need help in making business and benefit choices, particularly

if they are independent consultants or small business owners

Why Our Clients Work with Us

We’re fee-only We sell no commissionable products or services - our

only revenue is from our clients We act as fiduciaries

We have knowledge and experience Micah is a CFA Charterholder Micah and Renee are working towards the CFP

designation We take our time with clients

Each planner works with fewer than 75 clients Focus on client education

How We Work

We begin with a complimentary consultation by phone, or in-person Offers us a chance to understand your needs Offers you a chance to learn more about us We create a proposal after the consultation, and

proposal includes scope of engagement and estimated cost

Offer a range of services Comprehensive planning Portfolio design with specific investment

recommendations Ongoing planning and investment management Address specific questions or topics

General Questions Can you work remotely?

Yes, if the client is comfortable doing so. Is there a minimum asset requirement?

There is no minimum requirement for clients who want a comprehensive plan. For an ongoing retainer, the minimum is $500,000 in assets.

Can you provide a ballpark figure for cost? That depends upon the service. Our planning fee is

$190/hour, and our retainer fee starts at 1% of the assets under management.

How do I learn more? Visit our website at www.minervapg.com, call us

at 877 881 5379, or e-mail Micah via LinkedIn.