Your financial plan is the first step towards optimizing your future™.  We begin the process with a confidential questionnaire to help you think about issues such as:

• When can I retire and how much can I spend in retirement?
• How much do I need to save for my children's education?
• What type and how much insurance do I need?
• How should I invest my 401(k)?
• Will my heirs be subject to estate taxes?
• Should I refinance my mortgage?
• How can I minimize my tax liability?
• Should I buy or lease my new car?

After we have discussed your goals, we deliver a written comprehensive plan that acts as a road map to your financial future.  Financial planning is not a one-time event, therefore we will work with you to continuously monitor, update and implement the strategies needed to achieve your objectives.

Upon the completion of an initial complimentary consultation, our financial planning service is billed at $100 per hour.  A fixed fee will be quoted at the beginning of each engagement.

Given today’s technology and access to information, the financial markets have become exceedingly efficient.  Sanchez & Zures embraces this efficiency with our approach to your portfolio.  We employ an optimized asset allocation strategy that utilizes exchange-traded funds (ETFs), Dimensional funds (DFA) and individual fixed income securities.  Our focus is on superior long-term performance, low expense ratios and skillful tax management. 

Portfolio management includes ongoing rebalancing based on fluctuating capital market assumptions and monthly customized reporting.  Management fees are:

Assets Under Management	Annual Fee
First $0 to $3,000,000	.80%
Next $3,000,001 to $5,000,000	.50%
Next $5,000,001 and up	Negotiable

Sanchez & Zures prepares tax returns for individuals, trusts and other entities.  Fees are based on the complexity of the tax return.  A fixed amount will be quoted at the beginning of the engagement.