We mostly offer financial planning and investment management services. We also provide specialized planning for those going through a divorce. In addition, we have access to a full brokerage to offer insurance products (annuities, life, long-term care, and disability) should the need arise for our clients.

Our Financial Planning fees are listed on the following page: Fee Based Planning
For investment management, we typically charge a 1% advisory fee that is discounted at higher investment amounts. For other products, any fees or commissions associated are discussed before pursuing.

We believe in a holistic approach to financial planning. Think of your financial life as a jigsaw puzzle. There are many pieces to the puzzle – debt, income, insurance protection, investments, retirement, taxes, to name just a few. We want to put the puzzle pieces together in the most efficient way to give you a clear picture of your financial path forward. Our flat-fee process starts with a complimentary introductory meeting. We then move to Data Gathering, followed by a preliminary “rough draft” meeting. Finally, we move to finalization and implementation of the plan. This is typically a 3-4 month process.

We also have a subscription financial consulting program. This accomplishes the same goals as our flat-fee program, but takes the process in smaller bite-size pieces over a 12 month period.

Our flat -fee financial plans come with a 6-month review after the completion of your plan. At the 12-month mark, we will discuss what updates are needed and at what point a new financial planning engagement is needed. Changes such as income raises, account value fluctuations, and minor goal updates do not require a completely new plan.  Should major life changes happen, a formal updated plan is recommended.

We also have a subscription financial consulting program. This accomplishes the same goals as our flat-fee program, but takes the process in smaller bite-size pieces over a 12 month period.

For those in a financial planning engagement, we will provide a checklist of items needed. This list includes, but not limited to things like account statements, paystubs, debt information, estate planning documents, and social security statements.

For those engaged in our investment management services, we will need current account statements if a transfer or rollover is involved.

We work with people in all walks of life. We have young professionals just getting started in their careers to individuals that are well into retirement. Our services are best suited for individuals, families, and small to medium-sized businesses.

You will have a lead advisor you work with; however, we believe in a whole-team approach at Vesta. You may hear from Connie, our office manager, for paperwork or maintenance issues. If you are in a Financial Planning Engagement with us, you will often hear from Mary, our in-house financial planner. If you are engaged in a Divorce Financial Planning Agreement, Elaine will be your main point of contact. The team approach ensures a consistent and thorough experience for our clients, as well as business continuity in case of emergencies or unforeseen circumstances.

Both! We meet you where you are and happy to help in the way that you need. We do believe that financial planning is critical to long-term financial success, but if your situation does not currently allow for the commitment of financial planning, we are happy to help in an investment management only capacity.

We have various designations recognized in our industry, and many years of experience each working in a client/advisor relationship. Kate and Mary both have their CERTIFIED FINANCIAL PLANNER™ certification. Elaine is a Certified Divorce Financial Analyst® which helps in navigating the difficult process of splitting finances and assets in a divorce. Kate also is a Certified Trust & Fiduciary Advisor (CTFA) which helps navigate the complexities of trust management and estate settlement.

Combined we have over 30 years of experience. Kate started as an advisor in 2010. Mary started in 2012. Elaine started in 2015.

Yes, account access is available 24/7 via online access. For those engaged in financial planning, there is also a personal planning website available to help manage goals, link up outside accounts, and keep track of your entire financial life.

A fiduciary is legally and ethically obligated to work in the best interests of the client(s). As a CFP^® professional we must act as a fiduciary, and therefore, always act in the best interests of the client(s) when providing financial advice.

Yes, we often work with our clients’ professional contacts such as their CPA, attorney, and insurance broker to ensure that their financial goals are being met. We need permission from the client(s) before reaching out but are happy to do so to make sure everyone is on the same page.