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What issues should I consider when harvesting capital losses?
What issues should I consider when harvesting capital losses? Tax-loss harvesting is a popular strategy, but it’s not always clear whether i
FEE-ONLY | FULL-TIME FIDUCIARY | WHOLLY INDEPENDENT
FINANCIAL PLANNING WITHOUT JUDGMENT
PROVIDING HOLISTIC FINANCIAL AND TAX PLANNING TO HIGHLY COMPENSATED EMPLOYEES WITH LOCAL AND VIRTUAL SERVICES
THE FIRST QUESTION WE USUALLY GET:
"WHAT ISSUES SHOULD I CONSIDER REGARDING MY INCENTIVE STOCK OPTIONS?"
Our clients are Highly Compensated Employees (HCEs) who make more than $135,000 per year and can save money but are subject to different 401(k) rules. Retirement plans, HSAs, stock options, IRAs, eliminating debt, and reducing taxes all require planning. We normally see high net worth individuals come to us who have gathered assets along the way due to diligent savings, but ask themselves, “have we done the best we could?”.
Where do you start? Our clients are looking for holistic and comprehensive Financial Planning that encompasses both Tax and Estate Planning. Our clients have an expectation that all of this works together in harmony.
Every decision we make is framed in how we can deepen value for you. You own the relationship and that is why this website was created for you, the clients, not us!
Disclosure: All investing involves risk, including possible loss of principal. No investment strategy can guarantee a profit or protect against loss.
SERVING DIVERSE CLIENTELE BOTH LOCALLY AND VIRTUALLY
WHO IS GATEWAY FINANCIAL?
OUR FIRM
Dedicated to helping you pursue your long-term financial goals, we are a fee-only, full-time fiduciary, wholly independent firm.
Compensated only by the client without earning commission of any kind for product sales or referrals.
FEE-ONLY
Legally sworn and obligated to always place the interest of the client ahead of their own.
FULL-TIME FIDUCIARY
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Not Affiliated with any brokerage firm, bank, or insurance company. We answer to you, our
clients; not shareholders.
WHOLLY INDEPENDENT
READY TO GET STARTED?
THOROUGH PLANNING
WITHOUT JUDGMENT
HOW CAN WE HELP YOU?
When our client experiences a major life event, money is often in
motion for one reason or another.
Over 100 Flowcharts and Checklists maintain clear lines of relevant communication to help you prepare for the inevitable life events that put money in motion.
2
STOCK OPTIONS
4
STARTING A NEW JOB
WANT TO LEARN MORE?
COMPREHENSIVE PRICING TO
MATCH YOUR FINANCIAL GOALS
PRICING
How Our Pricing Works
We believe transparency & trust are at the center of any healthy relationship.
That's why we've laid out exactly how our subscription works here.
Onboarding Fee: $999-$3,000
Most onboarding fees are $999-$1,500. The amount depends on complexity. This fee is charged upon engagement.
Annual Retainer: Begins at $300/Month
Most clients' annual subscription is determined by the sum of 0.5-1.0% of gross household income plus 0.0-0.5% of net worth. The exact percentages of these figures are determined by the complexity of the situation.
In certain situations when assets and income are not an adequate gauge of the work needed, we will collaborate to agree upon an appropriate subscription. We always notify you in advance of any cost changes.
Reasoning Behind Our Fees
Our goal is simply to have a fee that is fair for both of us. We believe paying a small portion of your income and assets each year to have advice designed to help you manage the rest significantly better is worth it. This can assist High Earner, Not Rich Yet (HENRY) along with our legacy clients who have high net worth but lower incomes.
What will your fee be?
Our dedication to transparency goes beyond explaining how our fees work.
Completing the form below will give you an estimate for your unique situation.
"Be Transparent enough to gain Trust and Trust enough to be Transparent"
What do I get?
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Holistic and Comprehensive Financial Planning
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Tax Planning along with Tax Preparation
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Continual Investing & Cashflow Education
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Estate Planning along with Administration
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Personalized Balance Sheet
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Risk Management and Insurance
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24/7/365 Client Portal
Ready to get started?
WHAT'S YOUR RISK NUMBER?
FIVE MINUTES IS ALL IT TAKES TO FIND OUT
CAPTURE YOUR
RISK NUMBER®
The first step is to answer a 5-minute questionnaire that covers topics such as portfolio size, top financial goals, and what you're willing to risk for potential gains. Then we'll pinpoint your exact Risk Number to guide our decision making process
CAPTURE YOUR
RISK NUMBER®
ALIGN
YOUR PORTFOLIO
After pinpointing your Risk Number, we'll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes. The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.
ALIGN
YOUR PORTFOLIO
TEST FOR
THE UNEXPECTED
We will also review your progress toward your financial goals by building a Retirement Map. When we are finished, you'll better understand what we can do to increase the probability of success.
TEST FOR
THE UNEXPECTED
READY TO KNOW YOUR RISK NUMBER?
SEEDS OF KNOWLEDGE
GATEWAY LOGIN
YOUR PERSONAL
FINANCIAL PLAN
SEI ACCESS
MY PORTFOLIO
BETTERMENT
CAPITAL GROUP/
AMERICAN FUNDS
YOUR
401(K) PLAN
OHIO COLLEGEADVANTAGE DIRECT 529
WE WANT TO CONNECT WITH YOU
GATEWAY FINANCIAL
LOCATION
OFFICE HOURS
9821 Olde Eight Road
Suite M
Northfield, OH 44067
Monday - Friday
9AM - 5PM
CONTACT INFORMATION
(844) 592-9888