Your Financial Life is Unique. Your Advice Should Be, Too.
Which SEA Planning Option Best Fits Your Needs?
Each SEA relationship is designed for a different level of support. Use the guide below to compare how each option works, what it includes, and when it may be the right fit for you.
| Advisory Model | SEA Voyage | SEA Explorer | SEA Compass |
|---|---|---|---|
| Best Fit For | Clients who want ongoing financial guidance while managing their own investments | Clients who want ongoing planning and professional investment management | Clients who need help with a specific decision or project |
| Investment Management | You maintain your investment portfolio; SEA provides guidance and recommendations | SEA manages your investment portfolio | Not included unless specifically scoped |
| Ideal Asset Level | Often a fit for clients with less than $250,000 in investable assets | Generally a fit for clients with $250,000+ in investable assets; no strict asset minimum applies | N/A |
| What You Receive | Comprehensive financial plan, ongoing advice, retirement and tax-planning coordination, investment guidance, IPS, and regular reviews | Everything in SEA Voyage, plus portfolio management, allocation design, retirement-income planning, tax-aware investing, and advanced planning coordination | Defined advice for a specific question, decision, or project |
| Ongoing Fee | From $250/month — Individual; $375/month — Couple; $500/month — Business Owner | Approximately 1.00% annually of managed assets, plus a planning subscription based on complexity | Quoted in advance |
| One-time planning & onboarding fee | $1,750–$5,000, based on planning complexity | $1,750–$5,000, based on planning complexity | Included in project quote, if applicable |
Three Ways to Work With SEA. One Focus: You.
Choose the relationship that fits—ongoing financial planning1, professional investment management2, or focused advice for a specific decision3. Clear services. Transparent fees. No surprises. You will always know what you pay and what you receive. Choose the relationship that fits:
① SEA Voyage
Ongoing financial planning—with the investment-management option you choose
For individuals, families, and business owners who want an ongoing financial partner for the decisions that matter most. You can work with SEA in one of two (2) personalized ways:
I. Advice Only — You Manage Investments
Keep your accounts with your current custodian and manage your own portfolio. SEA provides ongoing planning, investment guidance, recommendations, and coordination—while you retain responsibility for implementing investment changes.
Fees: $250/month — Individual; $375/month — Couple; $500/month — Business Owner
One-time planning & onboarding fee: $1,750–$5,000
II. Full-Service Wealth Management — SEA Manages Investments
SEA coordinates your financial life and professionally manages your investment portfolio. This includes comprehensive financial planning, investment management, retirement and tax-planning coordination, and proactive guidance as your life and goals change. Your ongoing planning relationship includes:
- Retirement planning and income strategies
- Investment guidance: No minimum investment requirement
- Tax-planning coordination
Fees: Approximately 1.00% annually of managed assets, plus a planning subscription based on complexity.
One-time planning & onboarding fee: $1,750–$5,000
② SEA Explorer
Financial Planning + Investment Management
SEA Explorer is for clients who want one advisor to coordinate their financial plan and professionally manage their investment portfolio. This full-service wealth management relationship is generally a strong fit for clients with $250,000 or more in investable assets who value ongoing planning, tax-aware investing, and professional portfolio management. However, there is no strict account minimum. Our $250,000 guideline isn’t a hard line. We also work with clients below that level when their goals, needs, and circumstances make an ongoing planning relationship a good fit.
Good fit if you:
- Want professional investment management
- Value proactive retirement and tax planning
- Prefer an experienced RIA (registered investment advisor) to manage your portfolio
Includes everything in SEA Voyage, plus:
- Evidence-based portfolio design, asset allocation & rebalancing
- Retirement income planning & withdrawal strategies
- Tax-efficient investment & portfolio strategies
- Estate planning coordination
- Advanced business owner planning strategies, as applicable
Investment management fees apply only to assets managed by SEA on your behalf.
SEA Fee Offset: Clients with $500,000+ in managed assets have their monthly advisory/subscription fee waived.
③ SEA Compass Consult
Project-Based Financial Advice
Not everyone needs an ongoing advisory relationship. Compass provides focused advice for specific financial decisions or one-time projects. Examples include:
- Retirement decisions, tax strategy, estate coordination, second opinions
- Clear scope of work and fee quoted before any engagement begins
Start with a Complimentary Strategy Session
Not sure which approach is right for you? We'll help you figure that out.
Schedule a complimentary 30-minute introductory conversation to discuss your goals, questions, and where professional advice could add value. No pressure. No obligation. Just a conversation to see if we're a good fit.