Services

Financial Check-Up
The Financial Check-Up is a one-time, 3-hour, financial planning session. We will review and discuss your current financial situation and present financial planning ideas that you may implement on your own. This service is not intended to provide you with a comprehensive financial plan, but offers a second opinion on your plans that are already in place.

The Financial Check-Up is also appropriate if you are seeking advice on a limited set of issues, such as retirement planning, investment diversification, or employee benefits. We will be happy to address specific issues with you. Be sure to let us know of these issues prior to your meeting.

Clients desiring a Financial Check-Up will receive specific written recommendations and analysis, which will be provided at the meeting. The cost for the Financial Check-Up is $800 (payable at the time of the meeting). Credit cards are accepted.

Wealth Management Services
Fairfield Investments and Wealth Management, LLC provides comprehensive financial planning services including budgeting and cash flow management; investment management; and retirement, education, insurance, estate, and tax planning.

Clients wishing to retain our services for comprehensive planning will pay an annual retainer fee of $2,500. The following is a schedule of meetings during the first year of planning. After the first year, wealth management clients will meet with us 2-3 times per year.

Year 1 – Wealth Management Services (comprehensive financial planning)
Month 1 – Data Gathering Meeting
Month 2 – Data Verification, Cash Flow, and Introduction to Investments
Month 3 – Retirement Projections and Portfolio Implementation
Month 4 – Estate Planning
Month 7 – Insurance Planning
Month 10 – Tax Planning

Investment Advisory Services
Fairfield Investments and Wealth Management, LLC also provides investment management services including a review of your existing portfolio and investment options within your retirement plans. Our investment advisory services also include portfolio implementation, asset allocation, quarterly rebalancing and performance reporting, and 1-2 meetings per year. Clients who choose to engage our services for investment advisory services will pay a fee of 0.75% on assets under our management. There is a reduced fee structure for investment assets over $1,000,000.

Investment Philosophy
Fairfield applies a proven, disciplined investment philosophy in the management of our client portfolios. We believe that asset allocation, matched with diversification of multiple asset classes, is the key to building a successful portfolio.

We will take care to determine your investment objectives, level of risk tolerance, and portfolio time horizon to determine your appropriate asset allocation – the optimal mix of equities, fixed income, and other asset classes. Within each asset class, Fairfield further employs a diversification strategy involving investments of various styles and strategies. We will examine risk and return characteristics of each customized portfolio, and will consider how investments within the portfolio may interact with one another.

Fairfield encourages long-term investing and discourages market timing.

We seek to minimize investment expenses without forgoing return.

We will work with you to develop a personalized Investment Policy Statement based upon your investment preferences. This document will serve as a blueprint for portfolio construction and will continue to guide our investment choices to ensure that your portfolio is on target with your objectives and to rebalance your portfolio, when necessary.