Services

Our integrated suite of financial planning and investment management services has been structured to meet the needs of most clients. 

Select the service that best suits your needs

Personal CFO Services

Libra Wealth’s Personal CFO Services are designed for clients who want to integrate all the components of their financial life into one comprehensive solution. As the name implies, Libra Wealth becomes your Chief Financial Officer, while you retain the role of Chief Executive Officer, directing the vision for your life. As such, our Personal CFO Services include a Collaborative Partnership, Financial Life Planning, and Investment Management.

Collaborative Partnership

ADVISOR ACCESS

We are available to answer any questions as they arise. No extra fees. Just good advice.

DYNAMIC REVIEW MEETINGS

Interactive meetings to help you stay on track and discover new planning opportunities.

ONLINE FINANCIAL DASHBOARD

24/7 secure online access to a real-time snapshot of your entire financial life.

PROFESSIONAL NETWORK OF EXPERTS

Seamless collaboration with other experts such as attorneys, CPA's, insurance brokers, and realtors. This saves you time and money.

VIRTUAL MEETING OPTION

For our clients across the country, we use the latest technology to ensure an “in-person” meeting experience.

ONLINE SCHEDULING

Schedule meetings with ease, any time that's convenient for you.

Financial Life Planning

LIFE PLANNING PROCESS

Integration of life planning processes as part of our overall financial planning experience to help you clearly identify what is important and leverage all your resources to get more fulfillment from life.

FINANCIAL INDEPENDENCE ANALYSIS

Analyze your current resources to see if you could take a sabbatical, reduce your income, or simply try a life experiment.

RETIREMENT PLANNING

Integration of social security planning and strategies to minimize the risk of outliving your money.

CASH FLOW ANALYSIS

Understand the impact of your income, investments, expenses, and taxes to help you plan for the future.

TAX STRATEGIES

Integrated tax planning as part of our recommendations to help you reduce taxes.

Estate Planning

Proactive strategies to help you minimize estate tax and ensure proper management and distribution of your assets.

CHARITABLE PLANNING

Strategies to make an impact in your community and help reduce taxes.

RISK MANAGEMENT

Independent risk analysis and review of your related insurance policies (life, disability, health, long-term care, property, and casualty).

EQUITY AWARDS

Integrated tax planning strategies and sales plans for stock options (ISO and NQSO), RSUs, ESPP, and Restricted Stock.

DEBT MANAGEMENT

Optimize personal or business debt structuring and financing and integrate with financial plan.

OUTSIDE INVESTMENT ANALYSIS

Independent review of new businesses or private real estate opportunities within the context of your overall plan.

Investment Management

PORTFOLIO MANAGEMENT

Management of the day-to-day trading and rebalancing decisions related to your investment portfolio.

RISK ASSESSMENT

Analyze your ability, willingness, and need to take risk and develop an Investment Policy Statement that reflects your investment goals, risk profile, and asset allocation.

GLOBAL DIVERSIFICATION

Reduce unnecessary risks and invest in approximately over 10,000 securities globally, in both developing and emerging markets.

MULTI-ASSET CLASS PORTFOLIOS

Harness the power of Modern Portfolio Theory and invest in low-correlated asset classes to reduce portfolio risk.

LOW-COST INVESTMENT APPROACH

Access the entire investment universe to leverage commission-free ETFs and low expense ratios to help you keep more of your money.

TAX-EFFICIENT DESIGN

Lower the tax drag on your investment portfolio with careful analysis of turnover and use of ETFs and tax managed funds when appropriate to help improve returns over time.

TAX-AWARE ASSET LOCATION

Tax-optimize your asset location across multiple account types by understanding the tax characteristics and expected return assumptions of your investments to improve your after-tax returns.

TAX-LOSS HARVESTING

Monitor your portfolio for opportunities to realize a loss for tax purposes while maintaining your market exposure to reduce your tax bill.

INTELLIGENT REBALANCING

Rebalance with cash and threshold bands instead of calendar dates to enhance risk-adjusted returns, lower your capital gains taxes, and maintain the risk and return characteristics of your portfolio over time.

Personal CFO Services Fees

Most Registered Investment Advisory firms charge fees as a percentage of assets under management (AUM). While we believe this approach is fair for clients, it does have some disadvantages such as reduced transparency and unintended conflicts of interest. It's often more effective to have an advisor manage all of a client's assets on their platform (and charge AUM fees), but there are some circumstances where this is not the best solution for the client.
Common examples include:

  • maximizing interest on cash reserves on a risk-adjusted basis

  • advice surrounding whether to take money out of your portfolio to pay off a mortgage or invest in a rental real estate property

  • 401(k) plan considerations such as IRA rollovers

  • advanced tax planning strategies related to IRA conversions.

At Libra, we like being different and so do our clients. We charge a fixed annual fee, determined on a client-by-client basis. This approach eliminates unnecessary conflicts of interest. This fee model truly reflects the value that we offer. Factors considered in setting the fixed fee generally include the complexity of the client’s financial situation, level of investable assets, and estimated time involved. Our fixed fees are intended to be competitive with what clients might expect to pay under an “assets under management” (AUM) approach (assuming all investable assets were managed). However, because of our integrated tax planning and thoughtful design of our investment portfolios (low cost and tax efficient), we're confident that it will be difficult to match our value.

Financial Planning Services

Some clients may not want or need the full-service, Personal CFO package. Self-directed clients who are comfortable executing their own investment strategy may benefit from Libra’s stand-alone Financial Planning Services.

Financial Planning Services Fees

You may choose to engage the services of Libra Wealth either at a fixed fee or at an hourly rate of $250. During a complimentary call, we will discuss your situation and determine which is more appropriate for your needs.