What You’ll Receive

  • Asset allocation
  • Cash flow planning
  • College planning
  • Estate planning
  • Financial planning
  • Foundation management
  • Insurance consideration
  • Investment management
  • Investment policy development
  • Charitable giving strategies, including donor advised funds
  • Retirement planning
  • Risk management
  • Succession and legacy planning
  • Tax optimization strategies

 

Accessibility

We are available seven days a week, from 6:00 AM to 9:00 PM Pacific Time, via email, phone, Skype, or Zoom. You have free access to your investment accounts 24 hours a day via T.D. Ameritrade or Charles Schwab websites.

Affordable and Transparent Fee Structure

As fiduciaries, we benchmark our fees to be competitive and fair. View More We do not charge commissions on any investment. We will not accept payments or inducements of any kind from any investment company or provider. The only way we make money is through clients paying us quarterly fees.

Asset Safety

We keep our clients’ investments at T.D. Ameritrade and Charles Schwab, which provides insurance protection for investments and cash in case of insolvency. (Of course, this insurance does not cover an investment that loses value. Keep in mind that investing always holds some risk of losing principal.)

Customized and Managed Investment Portfolio

We do not use generic computer models or proprietary products to invest your money. We create a customized investment portfolio that best matches your goals and needs,using inexpensive and efficient investments.

Full Fiduciary Standards

We are an independent Registered Investment Advisor firm governed by The Securities and Exchange Commission (SEC) and The Certified Financial Planner (CFP) Board of Standards. As such, we provide customized solutions, personalized attention, and unbiased advice. Through our years of experience, neither Grace nor Lou have had any disciplinary history. View more

Owner Operated

We own 100% of our practice. When you contact us, you will speak directly with Lou or Grace.

Socially Responsible

We favor socially responsible and sustainable investing, with the intent of improving your investment returns and the world as well. If you wish, we can help you screen out companies and industries that do not align with your values.

Timely Updates

We will periodically reach out to you and keep you informed via timely virtual meetings or phone calls. We will also update your objectives and financial status, review your investment portfolios, and discuss any other financial planning topics.

What and How We Charge

As fiduciaries, we benchmark our fees to be competitive and fair. We do not charge commissions on any investment. We will not accept payments or inducements of any kind from any investment company or provider. The only way we make money is through clients paying us a quarterly fee to manage their portfolios based on the value of their investments.

We do not believe in “account minimums,” and will help anyone who requests it. Not everyone is a good fit for our practice, but at a minimum, we will educate you, and steer you in the right direction.

As of April 2021, this is what clients pay us:

Managed by Auspicious Financial Planning Quarterly Rate (Annual Rate)
0.20% (0.80%)

We conform with best fiduciary practices and prefer inexpensive and efficient investments whenever possible. As of April 2021, our largest investment providers are Vanguard, iShares (BlackRock), and Fidelity. We also have significant investments with Dimensional Fund Advisors (DFA), Dodge & Cox, and T. Rowe Price. The investments we choose from these providers generally cost between 0.02% and 0.50% annually, in addition to our advisory fee listed above.

Fiduciary Disclosures

Form CRS : Financial Professional Relationship

Auspicious Financial Planning, LLC is a Registered Investment Advisor. We provide advisory services to clients where Auspicious Financial Planning, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal. No advice may be rendered by Auspicious Financial Planning, LLC unless a client service agreement is in place.