About
We help clients with Retirement Income Planning needs
We coordinate investment strategies with social security, life style expenses, healthcare needs, and other income sources.
We help clients who have Wealth Accumulation needs
You will grow to appreciate our institutional quality investment management by the experienced hands as well as personal attention to you during market turmoil.
We help clients who are Business Owners
We help business owners' with their risk management needs and unique wealth transfer needs.
We help clients who have Special Needs Family Members
You will have confidence and peace of mind that your special needs family members are taken care of through judicious use of legal tools and thoughtful estate planning. Your loved one will receive our unmatched fiduciary trustee service.
Along with health, harmonious relationships, and hope, financial well-being is the foundation of one’s happiness. Regardless of income or investable asset levels, helping people have a sense of financial security based on unmatched analytics and compassion is what we do well. It is our mission to help you make informed decisions rather than have you simply follow “expert recommendations.”
Financial planning can be easy and enlightening. When we meet you for the first time, we picture you enjoying full confidence and peace in your financial matters. You can trust in our capability to deliver. Let us help you!
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David B.
Frequently asked questions
What is your typical process for working with a new customer?
We charge fees in two different ways.
- Comprehensive Financial Planning at a fixed rate between $1,000~3,000. This includes 1 overview intro meeting, 1 data gathering meeting, 1 result presentation meeting, 1 follow up meeting to help with implementation. The comprehensive financial planning fee will be returned should a client choose to hire us as an ongoing investment managers based on AUM fee structure.
- AUM fee structure with annualized rate between 0.4% ~ 0.8%. ALL INCLUSIVE fee for clients should be no more than 0.1% on top of our AUM fee for a core investment portfolio, including investment management, custody, maintenance, fund product fee, service fee, and regular comprehensive financial planning and monitoring fees. Industry average all inclusive fee is 1.75% under $1M account.
What education and/or training do you have that relates to your work?
Sarah Kang, Certified Financial Planner (TM)
Sarah is responsible for client relationships. She has passed all of the education and exam requirements of Certified Financial Planner designation. She has a Masters Degree from Indiana University Bloomington and is a Member of Financial Planning Association of MN. Her industry experiences include estate planning, tax strategy, special needs planning, and insurance strategy review.
Sarah is a concert pianist and is a frequent performer for Thursday Musical and other local recitals. She is a certified financial planner serving Saint Paul, Minneapolis, Rochester, and near Twin City area (email me for Nationwide)
Ujae Kang, CFA, CAIA, ASA, MAAA
Ujae is the portfolio manager and chief compliance officer. He has been involved in managing clients' and former employers' investment portfolios over 10 years. He is a charter holder of Chartered Financial Analyst and Chartered Alternative Investment Analyst designations. He is also an Associate of the Society of Actuaries, and a Member of American Academy of Actuaries. He holds a Bachelors of Business Administration, Accounting & Finance, from Indiana University Bloomington. He holds a Master of Financial Mathematics from the University of Minnesota's School of Mathematics.
Both insurance companies and government regulators rely on actuaries to project cash flows from investments and liabilities of pension funds, insurance companies, financial institutes, and more. Ujae will bring that same knowledge and experiences to you in your financial planning. His experience comes from a decade of working experience advising the enterprise level investment portfolio, cash flow, and debt portfolio of one of the latest insurance companies in the US.
Ujae is a board member of Thursday Musical. Ujae's wife is Sarah and they have four boys.