Concierge Experience for All-Encompassing Strategies

A Concierge Experience
for All-Encompassing Strategies

At Illumination, we listen, we gather information, and we learn about our clients’ core values, needs and wants. Then we create a holistic roadmap taking into account the speed at which they wish to realize their goals. We’ve developed an approach that’s flexible enough to meet each client’s diverse objectives. Whether you come to us for advice on building wealth, retirement, investing, tax, or business succession planning, we have the resources to meet your needs and the desire to make a meaningful difference in your life.

Our Personalized Services

Comprehensive Financial Life Planning

Comprehensive Financial Life Planning

Our financial planning process begins with you. We’ll organize your current financial situation and set expectations and goals unique to your perspectives and wishes. We create and implement a comprehensive financial life plan to help you reach your goals. Our planning is ongoing and regularly updated to reflect changes in your goals, financial resources, and external changes that affect your plan. Our goal is to help you make better decisions as you navigate life’s transitions and to guide you toward the life you envision. Our ongoing service includes:


  • Annual Goal Tracking & Projections
  • Ongoing Asset and Investment Management
  • Cash Flow, Income and Lifestyle Planning
  • Regular Tax Planning to optimize your current and future tax situation
  • Investment Real Estate Analysis
  • Guidance on Philanthropy
  • Financial Independence / Retirement Planning
  • Major Expense Planning
  • Business and Succession Planning
  • Trust & Estate Planning
  • Advising on Appropriate and Cost-Effective Insurance
  • Employee Benefits Maximization

Coordinated Investment & Portfolio Management

Coordinated Investment & Portfolio Management

Every investor has needs and priorities that change over the course of their lives. Your investments should align your money and personal aspirations to help you live the life you want to lead. To accomplish that, we take a different approach. We ensure your investment plan capitalizes on your unique strengths, interests, resources and values. We do not limit your investment plan to a pure traditional stock and bond portfolio.


Disciplined investing and asset allocation is a core part of our offering. We construct low-cost, globally-diversified portfolios aligned to our client’s goals. Beyond that, we coordinate all investments from our clients’ alternative investments to stock options to employer retirement plans to ensure appropriate returns and diversification across all asset classes.

Customized Employer Retirement Plans

Customized Employer Retirement Plans

We help business owners implement retirement plans to minimize taxes, improve employee retention and invest strategically. We guide plan sponsors through the myriad of activities associated with operating qualified and non-qualified retirement plans like plan design, fiduciary oversight, or evaluation and selection of administrative vendors and investment managers. Our goal for every client is the same: a flexible ERISA-compliant plan at below-market cost with best-in-class design and investment options. Ongoing Services include:

  • Plan Design & Compliance
  • Administrative Provider Search
  • Investment Selection
  • Employee Financial Education
  • Employee Communications
  • Advice on Regulatory Changes
Our Fee Structure

Our Fee Structure

We have flat fixed fee model based on the following schedule. The fees are based on the Client’s Net Worth* and Income (Adjusted Gross Income) at the time of the initial engagement and are adjusted every two years. There is no additional fee for our coordinated investment management.

Net Worth

Quarterly Fee

$0 to 2,000,000

0.50%

$2,000,001 to $3,000,000

0.40%

$3,000,001 to $5,000,000

0.30%

$5,000,001 to $10,000,000

0.20%

$10,000,001 and Over

0.10%

*Clients are subject to a minimum quarterly fee of $1,250 and annual fee calculations are rounded to the nearest $500. There is no account minimum. Fees may vary from the fee schedule where there is unique complexity (e.g. Business planning, Business and/or Real Estate Ownership, Corporate or Private Equity, multiple entities, etc.)

Living The Best Life You’ve Envisioned

Why A Flat Fee?

Tailored Experience

A Flat Fixed Fee

Our fee includes all financial life planning, investment management as well as unlimited and unbiased advice. There are no hidden fees, no surprises, and no hourly charges. We review the fee every two years to determine if any changes in the fee are appropriate.

Tailored Experience

Reduced Conflict of Interest

Withdrawing money from a portfolio, like when investing in a business or paying off debt, can also reduce an investment firm’s income when quarterly fees are based on assets they manage. This creates conflicts of interest for advisors who strive to provide objective advice. Our flat fee avoids this conflict.

Tailored Experience

Holistic Life Planning

While portfolio management is key to a successful financial plan, many other elements impact one’s financial life, such as cash flow, retirement, estate, income tax planning, philanthropy, risk management, and outside investments such as 401(k) plans at work. Our flat fee ensures guidance in all the areas that matter.

Tailored Experience

Risk Minimized Investing

We believe that clients should only experience a level of market volatility necessary to reach their goals. We have little incentive to increase risk, and care only to help clients intelligently plan all aspects of their financial lives.

Tailored Experience

How Advisors Should Be Paid

We do not ask for increased fees just because your investments may be doing well. We don’t control the market. We are compensated based on the factors we can control. Our concierge services do not change based on the market. It is our responsibility to design optimal strategies to grow wealth and live an incredible life.