Our Process
Unlike many firms, we don’t start with the numbers. Instead, we begin with understanding what you want most out of life. Our method delves into your personal goals and values, ensuring our recommendations are thoughtful, well-researched, and in your best interest. This approach allows us to create a strong financial plan so you can experience financial freedom.
Proactive Planning
As a fee-only, fiduciary firm, our priority is to provide you with the knowledge and resources for success. Without commission incentives or conflicts of interest, our recommendations serve your best interests. We simplify industry jargon to ensure our solutions are easy to understand and apply in daily life.
We believe anything is possible, and challenges guide us in the right direction. With strategic financial planning, you can tackle any issue with confidence. Explore potential scenarios and our recommended solutions.
We want you to walk away feeling great.
Our approach isn't just a tagline or a sales pitch; it's about genuinely understanding what matters to you—the real reasons you value money. By keeping things straightforward, we get to know you and your financial goals deeply. From there, we craft a tailored financial plan that not only meets but exceeds your expectations, leveraging empirically tested economic principles and evidence-based methodologies to ensure success.
Proactive Planning
As a fee-only, fiduciary firm, our priority is to provide you with the knowledge and resources for success. Without commission incentives or conflicts of interest, our recommendations serve your best interests. We simplify industry jargon to ensure our solutions are easy to understand and apply in daily life.
We believe anything is possible, and challenges guide us in the right direction. With strategic financial planning, you can tackle any issue with confidence. Explore potential scenarios and our recommended solutions.
Follow a Timeline That's Right For You.
Your short- and long-term objectives may change. And that's okay. As these objectives change, we'll strategically adjust our approach according to the current state of the market so you continue to generate returns. After outlining your objectives, we'll design a strategy that aligns with your optimal timeline for achieving your returns.
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1. Meet and GreetThis is the time meet with one of our coaches and mutually gauge whether the client and coach can work together. If it feels like a good fit, we will partner together to reach your financial goals. Building your financial foundation is the beginning of creating your Plan. We implement a comprehensive, process - driven approach to retirement planning. We guide our clients down the path to a better financial strategy with an analysis of goals and needs. Our process is thorough, yet simple: Assess the readiness of our clients to retire in the future given their current lifestyle and assets. Develop strategies to get our clients closer to their goals. This process is on-going and continues throughout the lifetime of the plan. Through asset optimization we can create a financial strategy that lasts as long as you do.
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2. Discovery InterviewWe will provide you with coaching pertaining to your situation. In our Discovery Interview, we will gather data and identify your current financial situation and examine your philosophy, attitude and behavior in handling your money. We will help you prioritize where your money should be going.
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3. Feasibility StudyIn our Feasibility Study we will see which recommendations make sense and implement our agreed upon strategies. You will be receiving the following reports: Social Security Timing Report Tax Clarity Report Portfolio Diagnostic Report Portfolio Cost Analysis Report Lifetime Analyzer Once we input your data into the Emoney Software, we get a 360° view of your current situation. It helps layout where you are today and what your future may look like. We can then make adjustments to lead you toward your financial goals. In the asset optimizer phase, we bring all your non-qualified assets together to create a tax efficient plan for your future
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4. Financial StrategyWe then complete a written plan of action and create your own personalized financial strategy. Every year, we will notify you that your annual review is approaching. It is important to meet and make adjustments as needed. The objective is to keep your plan on-track and in alignment with your goals. Remember, your financial strategy is a movie and not a snapshot. It is always changing. Therefore, we are committed to your long-term success and want you to create a life that you love.
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5. Ongoing EducationOnce your financial strategy is in place, we'll be by your side throughout. As your situation or needs change over time, we'll help you adapt and manage your money well. By keeping an eye on your progress and making adjustments with your approval, we'll make sure you stay on track to reach your financial goals.
Our Differences
We are firm believers that anything is possible, and whatever challenges that come up along the way. Explore the different scenarios you might find yourself in- and the solutions we would recommend.
Investment Management
Accomplish your short- and long-term objectives with an investment portfolio tailored according to your unique risk profile.
Retirement Planning
Social Security, pension, stocks and more. We’ll identify all potential sources of income so you can look forward to your life past.
Tax Planning
Feel confident once filing season comes around with a strategic tax planning approach that keeps your numbers in order so no detail falls through the cracks.
Insurance Planning
Our access to some of the top providers in the country enables us to hand-pick the insurance solutions that offer the most value at a price that’s right for you.
Our Difference
Financial Planning | Endeavor | Typical Wealth Management Firm | DIY & Robo Advisors |
|---|---|---|---|
Proactive Professional Advice | |||
Net Worth Tracking & Quarterly Progress Report | |||
Access to Top Notch Financial Software | |||
5.10% APY Savings Account | |||
Annual Employee Benefits Review | |||
Small Business Owner Experts | |||
Home, Auto, Disability and Life Insurance Advice | |||
Outsourcing of Time and Stress |
Investment Management | Endeavor | Typical Wealth Management Firm | DIY & Robo Advisors |
|---|---|---|---|
Behavioral Mangement Coaching | |||
Strategic Tax-Loss Harvesting | |||
Tax-Efficient Withdrawal Strategy | |||
Academic-Bsaed Investing | |||
Low-Cost Funds | |||
Diversified Portfolio |
Taxes & Estate Planning | Endeavor | Other Firms | Other Advisors |
|---|---|---|---|
Charitable Giving ADvice | |||
Careful Consideration of Your Taxes & Portfolio | |||
Annual Year-End Tax Planning | |||
Estate Planning | |||
Proactive Tax Planning |
Frequently Asked Questions
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We work with people looking to delegate their critical planning and investment needs on an ongoing basis. Our services include investment management, financial planning, tax strategy, tax preparation, and estate planning. We charge a blended fee that’s a percentage of the value of the investments we manage.
We charge a minimum planning fee of $3,000 per year.
Our fee structure is:
— 1% on the first $1,000,000 we manage
— 0.75% on amounts between $1,000,000 and $3,000,000
— 0.50% on amounts between $3,000,000 and $10,000,000
— 0.25% on amounts above $10,000,000
We don’t get paid through any type of commission, kickback, or other undisclosed revenue sources.
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Your CPA does a great job accounting for last year's financials, but they often don't focus on minimizing your future tax liability.
At Endeavor Advisors, we provide a comprehensive view and offer strategies to optimize your spending and savings for tax efficiency. You, or your CPA, will still handle filing your tax return.
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Our mission is to maximize the value you get from your money. To achieve this, we aim to handle as much of the planning for you as possible. We assist clients with:
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Retirement planning
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Investment management
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Tax planning
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Estate planning
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Insurance review
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Cash flow planning
And everything else necessary to ensure you feel both secure and enthusiastic about your financial future!
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We are an independent registered investment advisor, allowing us the freedom to recommend the best products and strategies tailored to your unique situation. As fiduciaries, we are legally obligated to prioritize your best interests—something we naturally do. Though based in Southern California, we primarily serve clients remotely across the United States.
To start, we’ll have multiple meetings and continue with at least two review meetings annually. Between these sessions, you’ll receive weekly educational content through emails, videos, and podcasts.
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We work with individuals from all walks of life. However, to remain sustainable as a business, we must receive fair compensation. Our ideal clients are those who have achieved a certain level of success, typically with a portfolio of at least $500,000. They’ve done an excellent job of saving and now seek expert guidance to optimize their wealth without the burden of managing it all themselves.
If we’re unable to work together, we will gladly assist with any questions you have and direct you to someone who can help. Please feel free to reach out today to explore what’s possible.
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