Empowering you to make confident financial decisions with clarity and ease.
University Financial Strategies offers personalized guidance through a proven step-by-step process, helping you manage investments, cash flow, and tax planning from anywhere.
Comprehensive Financial Services Designed for Your Goals
Investment Guidance
Cash Flow Management
Tax Planning Strategies
Our Comprehensive Service Packages
Choose the path that best fits your financial goals, backed by our transparent Fee-Only structure.
Comprehensive Planning
Full advisory service covering all aspects of your financial life, including continuous investment management.
Investment Management Only
Focus on investment strategy and management without ongoing financial planning support.
- Investment Portfolio Implementation & Monitoring
- 401k & 403b Fund Recommendations
- Asset Allocation Selection & Rebalancing
- Annual Portfolio Review Meeting
Financial Coaching
LOW COST OPTIONDedicated 1-on-1 coaching for cash flow management and debt reduction (Dave Ramsey focused).
Single 60-Minute Power Session
Ideal for a specific question or module focus. Pre-work required.
$2506-Session Discounted Package (6 Months) BEST VALUE
Comprehensive path to financial freedom (Billed Monthly). **Monarch Money subscription fee is covered by UFS during the 6-month package.**
$200 / month(Total Package Price: $1,200)
Get 50% Monarch for year (This link is for external use and provides a discount on Monarch Money)
Guided Estate Planning
Utilizing technology to guide you through the creation of Wills, Trusts, and Powers of Attorney.
- Technology platform guides decision-making.
- Educational support to clarify estate planning concepts.
- Referrals to local attorneys available for complex needs.
- Note: We are not attorneys and do not provide legal advice.
Full Scope of Comprehensive Planning Services
The Comprehensive Planning package covers the following extensive areas of financial planning in addition to AUM-based investment management:
Financial Planning & Core
- Client Planning Portal
- Net Worth Statement
- Emergency Fund Recommendation
- Retirement Planning
- Plan Stress Testing (Monte Carlo)
- Social Security Modeling & Elections
- Medicare Cost Planning
- Next Steps & Planning Prioritization
- Debt Management Decisions
- Employer Benefits Advice
- Goal Creation & Timeline / Tracking
- Pension Elections & Timing
- Budget & Cash Flow Management
Advanced Planning & Risk
- Income Tax Planning
- Life Insurance Analysis
- Disability Insurance Analysis
- Long-Term Care Insurance Analysis
- HSA Funding Strategy
- Employee Stock & Options Planning
- Annuity Planning (existing only)
- Charitable Giving Strategy
- Estate Planning Review
- Business Owner Planning Consultation
- Access to Trust Services
Investment & College Funding
- Investment Policy Statement
- 401k & 403b Fund Recommendations
- Asset Allocation Selection
- Account Setup & Transfer Support
- Low-cost Institutional Funds access
- Rules-based Rebalancing
- Asset Location Tax Strategy
- Investment Performance Reporting
- Quantitative Analysis Riskalyze Score
- Capital Gain/Loss Harvesting
- Tax-Efficient Distributions & RMD Execution
- College Pre-Approval™ Budget
- Expected Family Contribution (EFC)
- Net Cost Projections (for each college)
- Aid Enhancement & Student Loan Projections
- College Funding Gap Analysis & 529 Advice
- Financial Aid Forms Filing Guidance & Award Appeal
Assets Under Management (AUM) Fee Schedule
This fee schedule applies to managed assets within the Comprehensive Planning and Investment Management Only packages.
| Account Value (AUM) | AUM Fee |
|---|---|
| $0 – $250,000 | 1.50% |
| $250,001 – $500,000 | 1.25% |
| $500,001 – $1,000,000 | 1.00% |
| $1,000,001 – $5,000,000 | 0.90% |
| $5,000,001 and Above | 0.65% |
Note: Fees are assessed annually and may be billed monthly or based on other arrangements. An initial onboarding or setup fee may apply and will be discussed and agreed upon prior to initiating service.
Comprehensive Financial Services Tailored to You
We provide expert support in investment planning, cash flow management, and tax strategies to help you build and protect your wealth efficiently.
Investment Guidance
Our approach simplifies investing by aligning your portfolio with your goals and risk tolerance, helping you make informed decisions without emotional distractions.
Cash Flow Management
We analyze your income and expenses to create a sustainable budget that supports your financial priorities and reduces stress over money matters.
Tax Planning Strategies
Through detailed reviews of your tax returns, we identify opportunities to minimize liabilities and maximize your retained earnings each year.
Convenient Virtual Consultations
Connect with us from home or office via Zoom for timely advice and ongoing support that fits your schedule and lifestyle.
Step 1: Save a Starter Emergency Fund
Set aside $1,000 quickly to cover unexpected expenses and avoid new debt.
Step 2: Pay Off All Debt Except the House
Focus on eliminating credit cards, car loans, and other debts to free up cash flow.
Step 3: Build a Full Emergency Fund
Accumulate three to six months of living expenses to protect against income loss.
Step 4: Invest for Retirement
Contribute consistently to retirement accounts to grow your long-term savings.
Step 5: Save for College
Start funding education costs to reduce future financial burdens.
Step 6: Pay Off Your Home Early
Make extra mortgage payments to reduce interest and own your home sooner.
Step 7: Build wealth and Give
You know what people with no debt can do? Anything they want! The last step is the most fun. You can live and give like no one else. Keep building wealth and become outrageously generous, all while leaving an inheritance for your kids and their kids.
