our financial life has become very complex and we're worried that we'll miss opportunities or make mistakes
I wish I knew how to negotiate my salary and equity compensation
when can i make work optional?
how can i make my investments more simple?
we're worried about public policy changes impacting our lives
when should i exercise my stock options?
I'm burnt out on tech. can i change careers?
how do we go about merging our finances?
I'm worried I don't have enough
Ongoing Financial Planning
- Together, we work to co-create strategies to help you navigate your financial life, from managing your company stock to setting up a structured charitable giving plan. Spend more time doing what you love and less time worrying about your finances with a strong and dynamic financial plan in place.
- We serve as an accountability partner to make sure you take the necessary steps; whether that means updating the withholding rate on your vesting RSUs together or help with rolling over an old 401(k).
- Our highly responsive team is available to you throughout the year.
meeting structure - foundational stage
Discovery Meeting
We do a deep dive into your current situation, talk about goals and concerns, and learn about your unique needs and objectives. We learn about your history with money and how that's shaped your views today.
Cash Flow & Values
We review cash flow to get insight into how much your lifestyle costs and make adjustments to savings, if needed. We discuss what's truly important to you in order to have a clear vision of where you're headed.
Scenario Planning
We present a high-level financial plan and also introduce you to the financial planning software. The software is a collaborative tool that we use together to evaluate the feasibility of your goals.
Investments & Equity Compensation
In this meeting we will establish a target allocation for your portfolio and a strategy for your equity compensation.
Insurance & Estate Planning
We review all insurance coverages to make sure you are adequately protected. We also help you begin the estate planning process to document your wishes.
Ongoing Meeting Structure
Annual Renewal Meeting
- Update goals, action items, and projections
- Cash flow & savings review
- Review prior year taxes & W-4 withholding
- Estate plan review/check-in (beneficiaries, will,
and other documents.) - Charitable giving strategy
Mid-Year Meeting
- Check-in on goal progress
- Student loans/education funding
- Employee benefits/open enrollment
- Insurance review (life, disability, etc.)
- Rebalance investment accounts
- Equity comp review
- End-of-year tax planning review
The fee starts at $10,000 per year
The fee is based on your “assets under management” (accounts that we invest on your behalf), subject to the annual minimum. Comprehensive financial planning and investment management are included in the fee.
We are fee-only fiduciaries which means we never sell products, do not receive commissions and always place your best interests first.
Xena’s services are designed for households who are ready to invest $1,000,000+ with us.
The fee is billed quarterly in arrears, using the following tiers for each asset range.
For example, if Xena is managing $1,500,000 of your investments, the fee would be: 1% * $1,000,000 + .5% * $500,000 = $12,500 per year.
Market Value of Assets at end of Quarter | Xena FP Annual Fee (Paid Quarterly) |
|---|---|
$0 – $1,000,000 | 1.00% |
$1,000,001 – $5,000,000 | 0.50% |
$5,000,001 and up | 0.35% |