Optimize Your Personal Money Management
Request your financial
benchmarking report
and see how you can optimize
your investments, reduce your tax burden, and grow your wealth
Reach your financial potential
with our proven process
Discover what BYH Wealth
Management can do for you
Step 1
Intro call to get to know you & your situation
Book an introductory call with us here. We'll review your booking request to ensure we feel we could help and provide value before approving the call. (If we don't think we're the best fit, we'll provide you with other resources to consider.)
On this call, we want to hear about your financial situation, the goals you want to accomplish, and any challenges you're facing. We'll also share more about what we do for high-achieving professionals who work careers with complex income structures, and how we use specific financial planning & investment management processes and strategies to do it.
Step 2
Together, determine if we should proceed
At the end of our intro call, we'll mutually decide if there is a potential fit for working together. If so, we will:
- Send you a link to submit the information we need to prepare your BYH Financial Benchmarking Report
- Give you our BYH Wealth Management Process deck to review
- Schedule a 45-minute Zoom video meeting, where we'll deliver your report, evaluate where you stand today, and identify the work required to optimize your financial planning and investment management for long-term success
Step 3
Send requested information & documents for BYH Financial Benchmarking Report
Between our first phone call and our follow-up Zoom video meeting, we ask that you gather and send the list of requested documents we need to prepare your BYH Financial Benchmarking Report. We will use our processes to review the information and prepare:
- An analysis of your current investment portfolio and recommendations for optimization
- A tax assessment to identify opportunities to reduce lifetime tax burden
- An evaluation of key financial metrics to identify high impact strategies to implement or avoid to accelerate the achievement of your long-term goals (like making work optional) while funding the lifestyle you want to enjoy
Step 4
Review your report results together
We'll reconvene for our 45-minute Zoom video meeting to review the BYH Financial Benchmarking Report we create for you. We'll walk through the results together to identify opportunities, urgent action items, or any issues. We'll also discuss working together with BYH to develop a full plan with ongoing support.
Step 5
Think through the best next steps for you
After our 2nd meeting, you'll have a number of materials to review. Please take your time to look over everything, let us know if you have any follow-up questions, and think through how you'd like to proceed in addressing your financial planning and investment management needs.
If you'd like to partner with BYH, we'll help you get started whenever you're ready to engage in our full wealth management program - we'll send a Welcome Email and a team member will help you with our onboarding process.
And if not, that's okay too! We want to support whatever decision feels like the best fit for you right now, even if that means referring you to another firm, service provider, or resource.
We don't work with people who are looking for ad-hoc advice, a one-time plan, or a short-term solution. Everything we do is oriented around creating lasting, long-term success - and that includes the type of relationships we're looking to build. We select for clients who are as commmited as we are.
Request Your Intro Call
Start the process to receive your
BYH Financial Benchmarking Report
Looking for more information?
Get answers to frequently
asked questions about BYH
We meet with clients virtually via Zoom video conferencing. In our first year together, we’ll meet 4 times in total to build out your baseline plan. Our first three meetings run for 90 minutes and will happen over a period of 3 to 4 months. Our fourth meeting will take place about 6 months after that.
On an ongoing basis, we schedule 2 full, comprehensive financial planning meetings per year. Our goal is to provide continual guidance so that you are able to take advantage of opportunities, properly handle challenges, and maintain peace of mind knowing that your decisions are grounded in sound financial reasoning. The proactive nature of our financial planning process allows you to plan ahead and consistently make progress toward your goals.
We also offer 15-minute ad-hoc phone conversations for urgent matters, and provide full email support and analysis as needed. We also proactively check in between meetings to offer support as needed and ensure you stay on track with your financial plan.
In addition to our semi-annual meetings scheduled in advance, we offer clients the following on an ongoing basis outside of formal meetings:
- Advisor-generated meeting summaries to capture key strategic initiatives and advice
- Real-time maintenance of your most important action items, so you know where to focus next
- Completion of BYH to-dos, analyses, and any other tasks necessary to keep making progress
- 15-minute phone calls for urgent planning needs that can’t be supported via email
- Annual tax analysis to promote proactive tax planning (and potentially significant tax savings, especially around equity compensation)
- Education to improve your understanding of the economy and financial markets, current events and long-term expectations via webinars, research and other resources
Our advice and guidance covers a wide range of topics. Some of the most frequent that we discuss with clients include:
- Goals, values, and priorities
- Net worth growth
- Cash flow analysis
- Savings and spending strategies (including college savings)
- Equity compensation analysis and management
- Housing affordability analysis
- Employee benefits
- Insurance (including health, disability, life, umbrella, and P&C)
- Investment management, portfolio construction, and asset allocation
- Scenario planning and long-term projections for financial freedom or traditional retirement
- Tax planning
- Estate planning discussions
Of course! We welcome clients to reach out anytime they have questions, concerns, or changes. Outside of regularly scheduled meetings, we provide phone and email support.
We ask that clients reach out to us via email to begin any in-between meeting conversations. Doing so allows us to respond as a team, and ensure you’re connected with the best person to help address the specific question, thought, or concern. From there, we’ll work with you to:
- Provide a complete response via email (we strive to do this within 48 hours of receiving all emails). Or, if analysis needs to be done on our end to provide an answer, we’ll get clear on any deadlines and set a date by when you can expect a full response.
- Set up a time to talk via phone to resolve the issue, if it is time-sensitive and urgent, and cannot be taken care of over email.
- Place your topic on the agenda of an upcoming meeting so that we can have a deeper conversation about the topic in the context of your full financial plan.
We believe that a financial plan is not a one-time event. It’s an ongoing process. We continually make adjustments that reflect your life as it unfolds. We also work with an aggregation system that uses real-time numbers and highly detailed, accurate work are integral to how we operate.
We develop plans and systems that allow you to achieve the goal of living well today while still planning responsibly for tomorrow. BYH is a different kind of wealth management for motivated, self-made professionals who want their money working as hard for them as they worked to earn it.
We design globally-diversified portfolios to minimize costs and deliver appropriate risk-adjusted returns. Our investing strategy is based in a globally diversified core portfolio of publicly traded stocks and bonds. We then target dimensions of higher expected returns using decades of empirical evidence and research to power every decision.
Our team of CFAs performs in depth periodic research on global asset classes to ensure that we're choosing the appropriate exposure to each through the right investment vehicle inside your portfolio. As your accounts grow, we discuss alternative investments outside of the publicly traded stock market, opening the door to private equity, private credit and private real estate investments should we decide together that these strategies work for your plan.
We maintain a passive investment philosophy and we target dimensions of expected returns. We are not active traders or stock-pickers, nor do we default to an indexing strategy that you simply “set and forget.”
Our approach is to develop strategies for each client, aligning portfolios to your goals and preferences for risk. We dig deeper into the asset class and investment vehicle decisions to ensure that we are optimizing your exposures to areas we believe will perform best over the long-term.
We do not have minimums for our Wealth Management program. We do offer a standalone investment management program for select clients; that requires a minimum of $250,000 in investable assets in order to participate.
We include investment management as part of the service in order to ensure our program runs as an integrated system optimized for long-term results. We recommend a number of strategies, actions, and portfolio techniques that require timely and precise execution. Failing to execute could add friction to your plan at best - and, at worst, have you fail to meet your important goals.
For this reason, we recommend taking full advantage of the Wealth Management program - which includes investment management - to receive the best possible advice and the best possible results. All of this being said, we do not require clients invest with us to access the program.
No. We are an independent, fee-only financial planning firm. The only way we are compensated is through the fee we charge directly for clients for the delivery of our service, which is fiduciary financial advice and investment management. You can learn more about our firm here.