Wealth Management. Simplified.
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Comprehensive Financial Planning
One-Time Plans | Modern Engagement
Hourly and Ongoing Consulting
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Risk Management | Insurance Solutions
Estate Planning
Business Protection and Succession
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Alpha Focused | Real Active Management
Bull and Bear Market Strategies
Flat 1% AUM | No Minimums*
As a former US Army paratrooper and jumpmaster, I've seen my fair share of time underneath the safety and security of an inflated parachute canopy. It is an immediate sign of hope and confidence during otherwise uncertain times.
Canopy Financial Solutions (FinSol) specializes in financial planning, wealth management, and consulting services for both personal and business needs. We represent that overhead assurance for our clients allowing them to descend peacefully to their financial objectives.
Who Do We Serve?
We seek enduring relationships with motivated Americans, from Main Steet to Wall Street, who still care about this country and the values that make it great — people who like to win and not accept the status quo.
Whether you put on a suit or a uniform each day, you deserve to work with a like-minded fiduciary who has actually been “in the arena” too — someone familiar with service, sacrifice, and success — someone obligated to put your interests first!
Why Choose Us?
This is a people business first so we use a simple process but with sophisticated execution, one that you can understand — plan, protect, invest.
Canopy FinSol is an independent, fee-only Registered Investment Adviser (RIA) firm built specifically for the purpose of providing BETTER solutions to MORE people — simplicity is the ultimate sophistication!
People are tired of fancy suits, one-sided sales presentations and outsourced asset management using 70+ year old “Modern Portfolio Theory.” We take accountability for our investment strategies because performance matters — beating the market can only be done with active management. I implore you to ask me how!
Whether you’re bringing a million dollars to the table or just the discipline and desire to push your net worth into the black, we leverage a variety of modern resources and FinTech platforms to deliver you to your unique objectives.
Fees & Services
Transparency and simplicity matter, which is why I think it’s important to post our fees front and center for everyone to easily see and understand.
There are lots of ways we can work together. Most people don’t really know what they need — that’s why we offer our free financial consultation so I can advise you on your potential courses of action.
Whether it’s a full comprehensive financial plan or just an hour of pointed advice, I promise to give you clear, unbiased feedback.
Ongoing Services
This is an enduring relationship defined by planned engagements throughout the year to monitor progress, discuss relevant and timely issues, and address any new financial objectives.
We provide an array of personalized asset allocation and portfolio management strategies so our clients can choose how they implement their prescribed actions. Clients can choose Canopy FinSol to manage some or all of their investment portfolio.
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Investment management fees by default are deducted from client investment account(s) each month.
Clients receives an automatically generated invoice each month; however no action is necessary.
Asset Under Management (AUM) Fee:
1% AUM annual advisor fee for all asset tiers
Charged monthly as 8.33bps (or 0.0833%)
Fee billing begins when account value reaches $1,000
Compensates advisor for portfolio analysis, creation, monitoring, trading, and rebalancing
While I do not have any investment minimums, I charge a $500 annual retainer for households with less than $150,000 combined AUM
Tax IQ Overlay Fee:
10bps annually (in addition to the standard 1% AUM Advisor Fee)
Applied to taxable (non-qualified) accounts only
Suite of tools that offer focused sensitivity to wash sales, realized gains, and tax loss harvesting
These tools may reduce your end-of-year tax bill or even add after-tax performance in the form of tax savings - sometimes called tax alpha
Platform / Strategist Fee:
Applicable in rare situations for third-party portfolio strategies (i.e. non-Canopy FinSol portfolios)
These are in addition to the 1% AUM Advisor Fee and on average range from 12bps to 45bps annually
Client-Advisor Engagement & Deliverables:
Under a standard Investment Management relationship, we will conduct a thorough financial profile and Checkpiont Review semi-annually
Address relative and timely topics necessary to maintain a secure financial foundation
Includes access to client portal and dashboard that tracks key financial metrics and retirement forecast
More in-depth planning and deliverables are available at additional agreed upon flat fee or hourly rate
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Canopy FinSol at its core is about providing BETTER solutions to MORE people — this can only be done by understanding the industry and simplifying complexities so that regular people can afford and UNDERSTAND a quality wealth management experience.
Financial planning is a highly analytical and time consuming process that requires investment in modern software and technology necessary to produce a more accurate and comprehensive financial plan.
We offer enhanced planning & engagement packages for clients who have more comprehensive needs beyond the standard semi-annual Investment Management reviews.
Planning Fees (AUM Clients):
Annual base planning fee starts at $500
Available to clients with at least $50,000 in AUM with Canopy Financial
Total fee depends on specific need, complexity, and estimated time to complete required deliverables
Planning Fees (No AUM, Self-Managed Assets):
Can accommodate your planning needs even if you don’t have any invested assets with Canopy Financial
Useful for those who prefer to manage their own assets or leave with current broker or advisor
Annual base planning fee starts at $750
Total fee depends on specific need, complexity, and estimated time to complete required deliverables
Client-Advisor Engagement & Deliverables:
Includes same client portal and dashboard access as with Standard Investment Management, PLUS
Three annual Checkpoint Reviews to monitor progress and update accordingly
Enhanced access to client portal resources and personalized written plan with executive summary, recommendations, and implementation guidance
Point-In-Time Services
There are circumstances where an ongoing relationship is either not desirable or not necessary. In these cases, I’m happy to offer my full attention and advice at an hourly rate, or through the creation and delivery of a One Time Plan (OTP) that addresses more singular financial objectives.
I’ve created a menu of OTPs based on common requests from clients and niche financial situations. I will work with you to address your unique concern at the most favorable rate possible, whether it be hourly or flat fee.
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This is advice given to a client about a specifically chosen topic and billed at an hourly rate.
Typically the client does not receive a deliverable product aside from the advice itself.
Hourly Rate:
$250 per hour
15-minute increments ($62.50)
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This list is not all-inclusive. I’m happy to work with you on a custom solution at an agreeable rate.
Second Opinion (Fees, Risk, Strategy, Allocation) - $1,000
Enhanced Succession Planning - $550 (Personal) / $750 (Business)
VGLI and Survivor Benefit Plan (SBP) Analysis - $500
Financial Concerns in Separation and Divorce - $700
Healthcare Planning in Retirement (Medicare, Medicaid, and Long-Term Care) - $500
Social Security Optimization - $500
Protection Needs Analysis (Insurance, Estate Planning, “Next Best Dollar”) - $500
Workplace Benefits Review - $500 (Standard) / $750 (Executive incentives)
Pension Maximization and Benefits Review - $500
Self Directed IRA Considerations - $500
Contact
Feel free to contact me with any questions. Everything in life is negotiable so give me a chance to learn more about your situation and quote you a recommended course of action.
Email
Zeke@CanopyFinSol.com
Phone
(919) 218-4503