Process, Pricing, What to Expect from Us, Tenets of Service and Regulatory Disclosures

What to expect from your Financial Advisor


How Can We Help?  This first step, often via an introductory phone conversation, helps us understand how we might be able to be of service to you.  If we aren't the right advisor for you, we will help you find a resource that might better suit your needs.

Let's Get to Know Each Other:  This complimentary discovery meeting (physical or virtual) is an opportunity for us to learn more about one another.  We'll answer your questions honestly and openly, together explore our service options and investment philosophy, and construct a high-level picture of your financial position.  During these initial meeting(s), we'll continue to learn about one another until we feel confident jointly to move ahead.

Let's Get Organized:  We've decided to partner together and now it's time to further roll up our sleeves. We'll gather information about you, your goals, resources, tax profile and risk tolerance, assimilate that all into a cohesive system for running projections and "what if scenarios", consolidate accounts and provide single sign-on access to our Client Portal for your access anytime.

Design Your Baseline Plan: Together, we'll explore how to optimize your resources and goals, create a baseline financial plan, and design a model that will govern how we manage your investable assets.  These constructs create a foundation from which we can monitor, measure and adjust your plan as you evolve and "life happens".

Ongoing Services:  With the initial onboarding complete, we will transition our services into recurring processes that will help you execute your plan.  These processes include:

  • At the center of ongoing management is a comprehensive Annual Plan Update to update, review, adjust and monitor your progression towards your goals
  • The incorporation of tax-efficient strategies as applicable to your portfolio (asset location, household rebalancing, tax-deferred and tax-free savings opportunities, charitable giving of appreciated securities, tax-loss harvesting, Roth conversions, RMDs, cost basis reset, 529s (and education planning), ERISA account review of investment selections, beneficiary designations, contribution amounts and type (pre-tax or Roth)
  • An estate plan review to include confirmation of necessary wills, trusts, beneficiary designations, POAs, guardianship, etc.  We will also provide templates for an "ethical will" and a "letter of instruction", and encourage you to complete them to support your legal estate document set
  • A review of your insurance protections (risk mitigation) needs (potentially life, disability, umbrella)
  • Special situation support (Platinum Client Service Level): Review, resource coordination and/or analysis for topics such as cash-flow analysis, coordinated semi-annual tax planning meetings with your accountant(s), employee equity strategies (stock options/RSUs/PRSUs/ESPP/ISOs/NSOs) analysis/execution, owner equity strategies to include exit strategies planning, Family Limited Partnerships, Defined Benefit Plans, i-401(k)s, support and coordination for estate plan creation or revision, Irrevocable Trusts and ILITs, financing, private equity, intergenerational planning, employee contract review and benefit analysis, specific decision assistance (buy or lease? second homes, paying off mortgages etc), philanthropic endeavors, divorce support/QDROs, tax optimization via advanced strategies for wealth transfer, QCDs, limited consultation regarding Non-Standard Investment Assets (aka "Alts")


We offer two service levels designed to meet client's needs at a cost that is commensurate with financial age, stage, needs and complexity.

Our Gold Client Service Level is offered at $3,600 annually for Financial Planning combined with a .45% of Assets Under Management (AUM) Investment Management charge.  An example:  A couple that has $1,000,000 in investable assets (excludes real property, Health Savings Accounts and 529 Accounts) would pay $3,600 annually for a planning fee plus $4,500 for an investment fee.  Fees are charged quarterly in arrears; investment fees are calculated on the value of AUM on the last day of the calendar quarter.

Our Platinum Client Service Level is offered at a customized  Planning Fee amount based up on client's needs and complexity, and .45% of Assets Under Management (AUM) just as with the Gold Client Service Level.

What You Can Expect from Us

  • To make good on our mission of guiding you along the journey of Planning for a Life Well-Lived™, we must begin with the end in mind. To that end, we'll encourage you to be thoughtful about your goal planning in the beginning as well as along the way.
  • We are available as “life happens” events occur. One of our strongest desires is to know our clients well so that we have the knowledge and tools readily available to assist when opportunities or challenges present themselves.
  • We are flexible in both the timing of when we are available and methods of communication to make meeting participation and communication convenient for you.
  • We typically return phone calls or emails within 24 hours.
  • We take the responsibility for the security and privacy of your information seriously. We provide systems that allow for secure communication and encourage you to embrace them.
  • We love what we do and take pride in doing the best job possible.
  • We earn our fees only by those you pay to us directly. We receive no compensation from any other source, eliminating the inherent conflict of interest associated with product sales.
  • We are committed to helping you make important life choices regarding your most precious resources: time, your own human capital (potential), and the economic opportunities those resources afford. 

Six Tenets of our Services

Organization: We'll provide a framework for life simplification and simplified decision-making so that you can spend more time doing the things that you love.

Accountability/Discipline:  We'll gently encourage you stay accountable to your best intentions in the midst of opportunities, challenges and steady-state.

Objectivity: As Fee-OnlyTM advisors, we'll help protect you from yourself by guiding you to think through the emotional vs (financially) technical components of big decisions, and do so without the conflict of interest associated with product sales.

Pro-Activity:  We'll work with you to anticipate your life transitions and stand-by ready to assist when unexpected "life happens" events inevitably occur.

Education: We stay deeply committed to our own continuing education, we'll educate you on the "equations" and "emotions" components of your decisions, and we are wise enough to seek outside guidance when we don't know the answers.

Partnership: We'll work to earn your trust, we'll take time to really get to know you, and we'll work to build a collaborative relationship that helps you achieve your best life possible.

Privacy Policy and Disclosure Statements

Astoria Strategic Wealth conducts business by appointment only.

Please refer to Astoria Strategic Wealth's CRS, ADV 2A, as well as Advisor 2B forms and Privacy Policy for written disclosure statements regarding our business operations, services and fees.

Astoria Strategic Wealth is registered investment adviser. Astoria Strategic Wealth and its representatives may only transact business in those states in which we are registered, or qualify for an exemption or exclusion from registration requirements. To learn more about Astoria Strategic Wealth, please visit the SEC website at -

Astoria Strategic Wealth's web site is limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, the publication of Astoria Strategic Wealth's web site on the Internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.

The links on this website are provided as a convenience and a link does not imply that our firm approves or endorses any of the websites. By clicking on a link, the viewer will be leaving the Astoria Strategic Wealth website. Astoria Strategic Wealth does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Astoria Strategic Wealth's web site or incorporated herein. All such information is provided solely for convenience purposes only.