Our Services
Comprehensive wealth management tailored to your needs.
Financial Planning
Comprehensive financial planning is the foundation of how we work — offered as a one-time written plan or an ongoing planning relationship.
- Retirement planning and projections
- Cash flow and debt strategy
- Equity compensation planning (RSUs, ESPPs, ESOPs)
- Insurance and risk assessment
Investment Management
Optional, hands-on portfolio management for planning clients who want us to manage their investments — built around your goals, risk tolerance, and time horizon.
- Customized portfolio construction
- Ongoing monitoring and rebalancing
- Tax-efficient investment strategies
- Regular performance reporting
Retirement Planning
Specialized guidance for those approaching or in retirement, focused on income planning and wealth preservation.
- Social Security optimization
- Retirement income strategies
- Required Minimum Distribution planning
- Estate and legacy considerations
One-Time Financial Plan
A complete, written financial plan with a clear action checklist — delivered once, for clients who want a professional roadmap to implement on their own.
- Full discovery and financial review
- Personalized written plan and recommendations
- Equity-comp and complex situations supported
- Clear next-step action checklist
Fee Schedule
We're a fee-only fiduciary — paid only by our clients, never through commissions or product sales. Our pricing is built around financial planning, with investment management available as an add-on.
Financial Planning
One-Time Financial Plan
A complete written plan, delivered once.
$1,500 standard $2,500 complex
Complex plans cover situations such as equity compensation, business ownership, or multi-account households.
Ongoing Planning Subscription — a continuing planning relationship, billed monthly.
| Planning Tier | Monthly Fee |
|---|---|
| Foundation | $150/month |
| Core | $275/month |
| Complex / Equity Compensation | $450/month |
Investment Management
Optional add-on — a graduated annual fee on the assets we manage.
| Assets Under Management | Annual Fee |
|---|---|
| First $100,000 | 1.50% |
| $100,001 – $250,000 | 1.25% |
| $250,001 – $500,000 | 1.00% |
| $500,001 – $1,000,000 | 0.85% |
| Above $1,000,000 | 0.75% |
Graduated basis: each tier's rate applies only to the portion of assets within that tier.
Combining services: Clients who engage both ongoing planning and investment management pay the greater of the two fees — never both.
Minimum annual fee: $1,800. We do not require a minimum account size.
Billing: Planning fees are billed monthly in advance; asset-based fees are billed quarterly in arrears based on quarter-end value. Limited hourly advisory ($200/hr) is available by arrangement for clients whose portfolios we don't manage.
Please refer to our Form ADV Part 2A for complete information about our services and fees.
A Process, Not a Product
Every Cardinal client follows The Cardinal Path™ — a five-phase process built on trust, clarity, and consistent action over time.
See How It WorksImportant Notice: Services provided by Cardinal Wealth Management LLC are not guaranteed to produce any particular results. Investment performance is subject to market conditions and individual circumstances. Past performance is not indicative of future results. Please refer to our Form ADV Part 2A for complete information about our services and fees.
Ready to Learn More?
Schedule a complimentary consultation to discuss your financial situation and how we can help.
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