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A Fiduciary is legally bound to act in your best interest.

We get it. Everyone is different and your uniqueness should be recognized and complimented with a service plan constructed precisely to serve your goals and objectives.

Your financial plan should take you where you want to go, and give you peace of mind along the way.

So, what is financial planning? To us, it's a collaborative process that starts with listening and asking good questions to clarify your values, vision, and goals.

Our Process

  • 1
    Learn -

    Our first meeting is focused entirely on learning about your situation, your concerns, and what you want to accomplish to see if our approach is a good fit for your needs. 

  • 2
    Data Collection -

    Based on your goals and the problems you need solved, we'll request a short list of statements, documents and other relevant information so we can conduct our initial analysis.

  • 3
    Discovery -

    We will review your information, assess your risks and opportunities, and identify any other issues that should be addressed. 

  • 4
    Workshop -

    We will take you through our preliminary analysis, as well as some projections and scenarios to illustrate how different strategies could improve your situation.

  • 5
    Presentation -

    After incorporating your feedback from the Workshop, we'll create a custom report detailing our findings. We'll present our recommendations and walk you through how we would add value to your situation. 

  • 6
    Engagement -

    If you are interested in moving forward, we will create your custom financial plan, built specifically to address your needs and goals, with clear, transparent pricing. 

  • 7
    Implementation -

    Once you know where you need to go, it’s time to get going. We will guide you through your first steps, and each step thereafter as we implement your plan.

  • 8
    Monitor & Review -

    Financial planning is an ongoing process. Meetings and reviews are central to our approach, and necessary to drive progress and to remain properly calibrated as your life and needs evolve.

Your plan is crucial to your financial success, but no one’s life is static. Exceptional financial planning means staying on top of the changes in your life, in the markets and across the globe. As part of our ongoing relationship, we communicate with you regularly and are readily accessible when questions come up.

The best time to build a financial plan was when you graduated from college. The second best time is today.

No two clients have the same plan. Your plan is unique and built around your needs and your circumstances. Depending on what you need your money to do for you, we offer flexible engagements across a wide variety of practice areas.

Key Practice Areas:

  • Cash Flow and Savings
  • Debt Elimination
  • Risk Management
  • Retirement Planning
  • Investment Management
  • Estate Planning
  • Tax Planning
  • Education Planning
  • Executive Compensation
  • Medicare and Social Security Optimization

Investment Management Services

Our investment management approach is based on sound fundamentals and leverages our team’s experience and technical skills.  We're an independent RIA and completely agnostic to providers and products, so the entire investment marketplace is available to build a custom portfolio optimized to achieve your goals. .

  • Overall portfolio goals :
    1. Efficiency in design with low cost asset class exposure;

    2. Maintain a tilt toward value as a means of long-term return potential outperformance;

    3. Match portfolio expectations to client goals and constraints; and

    4. SImplify holdings and eliminate redundancy

  • Key portfolio features :
    1. Focused: We tend to concentrate in our best ideas.

    2. Diligent Selection: Investments are carefully selected and persistently monitored.

    3. Fundamental: We know what we own, and why we own it.

    4. Low Turnover: Investments are held for the long-term.

Key Practice Areas:

  • Security Selection & Analysis
  • Economic Analysis
  • Risk Analysis
  • Asset Allocation
  • Investment Policy Creation
  • Portfolio Construction
  • Rebalancing
  • Tax Loss Harvesting
  • Portfolio Management
  • Performance Reporting & Analysis

Philosophy

Clients are treated in the same way we would want to be treated if the roles were reversed. We believe that it is a tremendous honor to be offered the opportunity to assist in handling an individual's, a family's or a corporation's money. We give every client, every relationship the respect it deserves. That's why every client is provided individualized services, specific to their goals and objectives.

We define private wealth management as an aggregate set of services that help clients manage, maintain and control their financial wealth. When you hire Kathleen S. Wright Associates, Inc. as your financial planner, investment advisor, financial advisor or wealth manager we put your best interests first. Our duty is to serve you.

  • What we do :
    1. Individually tailor recommendations to each client’s unique needs;

    2. Focus on what is controllable and knowable;

    3. Perform our own research objectively and independently;

    4. Align firm capital with client capital; and

    5. Continuously pursue better knowledge.

  • What we do not do :
    1. Outsource any aspect of our value-add;

    2. Use junior advisers or sales people to manage client relationships;

    3. Earn revenue from any source other than client management fees;

    4. Promise or guarantee performance or outcomes; and

    5. Attempt to time the market or make big bets.

Our goal is to work with a select group of clients for which we build deep and lasting relationships and help them grow and protect their capital over the long-term. We feel the most satisfied when clients reach their goals.
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Customer Service

By delivering a fiduciary and client first mentality and seeking delightful experiences.

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Intellectual Capital

By focusing on continuous education and learning, exploring a wide array of disciplines and knowledge areas, and figuring ways to creatively incorporate them into client plans and portfolios.

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Satisfactory Returns

By implementing and using sensible, time tested, and long-term oriented processes with empirical evidence of success.

Ideal Clients

Clients receive our best work when there are high levels of mutual trust and respect.
We work best with clients that are like us.

Our Ideal Clients have the following main characteristics:

  • 1
    Successful - They tend to be small business owners, corporate executives, or professionals.
  • 2
    Good Stewards - They tend to be responsible savers and not spenders.
  • 3
    Delegators - They tend to trust professional service organizations and are willing to outsource management of certain parts of their lives.
  • 4
    Technically Minded - They tend to be good with details and are good at identifying and understanding idiosyncrasies.
  • 5
    Independent - They tend to think for themselves and be the “engine of their own machine”.
  • 6
    Thoughtful - They tend to not be superficial and try to focus on the layers under the surface.
  • 7
    Think Long-Term -

    They tend to have courage of their convictions and are not swayed by short-term noise.

Great relationships come in many different flavors. Everyone has different time horizons, different risk tolerances, different dispositions, different opinions and different needs, goals and objectives. Clients are treated and met at their level. However, a unifying trait that runs through the bullet points above is a strong desire to learn. It's how we all get better.

Fee Structure

Wright Associates provides fee-only financial planning and investment management services. See specifics below, or download our Form CRS located at the bottom of this page.

When it comes to fees our goal is to be clear and transparent. Our only source of revenue is from you. We do not collect commissions or trailing fees for any products we use in your accounts. We believe this arrangement helps us maintain a strong alignment with you.

We work with many different types of clients, whose needs vary. That’s why we offer options to best fit your needs.

We charge one fee for our wealth management services. You have the option of picking two ways to be charged.

Option One is to split planning and investing into two separate fees. Flat fees for financial planning ranging from $100 per month to $1,000 per month based on the breadth, depth, complexity, and level of services required by a client. Variable fees for investment management in the form of percent of assets under management (“%AUM”). They are 0.50% on the first $10,000,000 and drop to 0.25% for incremental amounts over $10,000,000.

Option Two is to be charged an all-in-one comprehensive fee that includes our full suite of services for both planning and investing. It follows this schedule:

fee schedule february 2021

We also accept credit card payments for financial planning fees through our financial planning software Right Capital. The service is Right Pay and is just another option to make your life easier.

A comprehensive fee tends to be right for clients who meet the minimum fee requirements and who require both financial planning and investment management but enjoy a straightforward arrangement and don’t want to be constrained on the services they receive.

An ala carte fee is a good choice for clients who wish to control costs or wish to engage in professional services but on a limited basis. More generally, ala carte pricing enables Wright Associates to provide professional services at reasonable fees for clients early in the capital accumulation process. Or for clients who wish to manage their own money but want a second opinion or a review of their accounts and financial standing.

Important: All fees paid to Kathleen S. Wright Associates, Inc. are separate and distinct from any fees paid for trading or to underlying fund management companies.

Please review our ADV for further clarification on how we charge for our professional services. For reference our ADV may be downloaded from the link at the bottom of this page.

Please note: The scope of any financial planning and consulting service depends upon the terms of the engagement and the specific requests and needs of the client.  Wright Associates does not serve as a law firm, certified public accounting firm, nor an insurance agency.  Wright Associates does not prepare legal documents or tax returns, nor does it sell insurance products.

Let us help you discover and prioritize your goals.

Schedule a free goal planning session today!