Our Service Offerings

At Hanke & Co., we recognize that every client has their own unique financial needs and preferences. To accommodate this, we provide two general service models that span a spectrum of collaboration, ensuring that we can support you at any stage of your financial journey.

Comprehensive
Wealth Management

Unlimited Financial Planning & Financial Coaching Sessions
Comprehensive Financial Plan & Unlimited Updates
Professional Investment Management
Fee Structure: Percentage of AUM
Ideal for Investors in/or Nearing the Retirement Phase

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A

Financial Planning
& Financial Coaching

8 Financial Planning & Coaching Sessions
Includes Comprehensive Plan, Limited Updates
Self-Managed Investing
Fee Structure: Flat Fee
Ideal for Investors in the Accumulation Phase

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B

Option A: Comprehensive Wealth Management

Option A is Best Suited For:

Clients Seeking to Delegate Management: Ideal for those who prefer a hands-off approach to their investments, allowing our experienced team to manage their portfolio while providing ongoing comprehensive financial planning
Retirees and Beneficiaries: Particularly beneficial for retirees or investors with significant assets who want to delegate all or part of their investment management to trusted professionals.
Note: While our minimum investable assets under management requirement is $1,000,000, we do make exceptions. We invite clients in the accumulation phase of their financial journey and who are highly motivated savers and/or high earners to complete a Prospective Client Questionnaire and to schedule an Initial Consultation.

Option A: Comprehensive Wealth Management

What's Included?

Click on the service theme below for additional information.

How Are Fees Calculated?

Assets Under Management Model

Option A: Comprehensive Wealth Management

1. Professional Asset Management

Bespoke Investment Strategy: We design an "all-weather" portfolio crafted to withstand down markets. Portfolios are structured with the objective of providing our clients with a reliable income stream when they reach retirement.
Risk Assessment: We assess your risk tolerance by asking about your past behavior in turbulent markets and your overall investment experience. We then create an investment strategy that aligns with your comfort level and financial goals.
Time Horizon Planning: Your investment portfolio is tailored to meet your specific time horizons, ensuring that your assets are aligned with both your short-term and long-term financial objectives.
Tax Strategy: Our team develops a tax-efficient investment strategy that includes tax-aware income distributions—drawing funds from less-taxed accounts first to minimize your tax liabilities.
Diversification: We construct a broadly diversified portfolio to manage risk and optimize returns across different asset classes.
Concentrated Stock Diversification: Clients with incentive stock or highly appreciated shares require a bespoke, tax-aware diversification strategy.
Ongoing Monitoring and Rebalancing: Your portfolio is continuously monitored and rebalanced as necessary to adapt to market conditions and any changes in your financial situation.
Brokerage Accounts: All accounts are securely held at Charles Schwab, providing peace of mind and transparency.

Option A: Comprehensive Wealth Management

2. Comprehensive Financial Planning

Retirement Planning: We help you establish and refine your retirement goals, ensuring you’re on track to achieve the lifestyle you desire in retirement.
Estate Planning: We work alongside estate planning attorneys to develop a plan for passing on your wealth according to your wishes, in a tax-efficient manner.
Insurance Needs Analysis: We assess your current insurance policies, healthcare to home policies, to ensure you have the right coverage to protect your assets and loved ones.
Tax Planning: We collaborate with your tax advisor to implement strategies that minimize your tax burden across your financial life. Efficient information exchanges.
Cash Flow and Spending Plan: We analyze your income and expenses to create a sustainable cash flow plan that supports your goals.
Education Funding: We help plan for education expenses, ensuring you have a strategy in place to fund your children’s or grandchildren’s education.
Incentive Stock Compensation Analysis: We provide a detailed analysis of your incentive stock compensation, a crucial aspect for many San Francisco Bay Area clients.
Real Estate Analysis: We include an analysis of your home's equity to mortgage balance and weigh the pros & cons of an accelerated mortgage payoff strategy. We also analyze investment properties and include them in our asset allocation recommendation.
Access to Our Robust Professional Network: Our clients benefit from access to our network of allied professionals, including accountants, tax preparers, estate planning attorneys, family law attorneys, and property and casualty insurance professionals.

Option A: Comprehensive Wealth Management

3. Financial Coaching

Mindset and Money Beliefs: We help you explore the underlying beliefs and attitudes you hold about money, which often shape your financial behaviors. By understanding these beliefs, you can begin to make more informed and intentional financial decisions.
Behavioral Change and Habits: Our coaching focuses on identifying and changing unproductive financial habits. We guide you in developing new, positive habits that align with your financial goals and values.
Emotional Connection to Money: Money is often tied to emotions like fear, guilt, or anxiety. We work with you to address these emotions, helping you gain confidence and a healthier relationship with money.
Goal Setting and Achievement: We assist you in setting realistic and meaningful financial goals that resonate with your personal values and aspirations. Our coaching empowers you to achieve these goals by breaking them down into actionable steps.
Overcoming Financial Barriers: Whether it’s debt, spending issues, or income challenges, we help you identify the barriers holding you back and create strategies to overcome them.
Accountability and Support: Financial coaching provides continuous accountability and encouragement. We support you through your financial journey, helping you stay committed to your goals and navigate challenges as they arise.

Option A: Comprehensive Wealth Management

How Are Fees Calculated?

Fee Structure:

Assets Under Management (AUM) model with an annual percentage fee.
The management fee will be deducted directly from your brokerage account every quarter.
To calculate the quarterly fee on a $1M portfolio, we use the account value on the last day of the quarter, multiply it by 0.003125 (our annual fee of 1.25% divided by 4), and the resulting number is the fee for the upcoming quarter. Fees are prorated for any partial quarters.
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Assets Under Management	Quarterly Fee	Annual Fee
$500,000 to $1,000,000	0.31%	1.25%
$1,000,001 to $2,000,000	0.28%	1.15%
$2,000,001 to $3,000,000	0.25%	1.00%
$3,000,001 to $5,000,000	0.20%	0.80%
$5,000,001 to $10,000,000	0.18%	0.70%
$10,000,001 to $20,000,000	0.12%	0.50%
Over $20,000,001	Negotiable	Negotiable

Option B: Financial Planning & Financial Coaching Sessions

Option B is Best Suited For:

Clients Seeking a "Show-Me-How-to-Do-It" Approach: Ideal for individuals and families who want expert guidance and a clear plan but prefer to manage their own investments. Clients take our recommendations and implement the recommendations themselves. We do not handle any transactions on their behalf. This option also allows clients to keep their accounts where they are.
Clients Who Are Still Building Their Nest Egg: Particularly beneficial for a family who are still in their earning years and might not have investable assets, but would still benefit from holistic and comprehensive financial planning.
Clients Who Are Seeking a Limited-Time Engagement: Clients have the option to purchase additional planning sessions.

Option B: Financial Planning & Financial Coaching Sessions

What's Included?

Click on the service theme below for additional information.

How Are Fees Calculated?

Flat Fee

Option B: Financial Planning & Financial Coaching Sessions

1. Comprehensive Financial Planning

Retirement Planning: We help you establish and refine your retirement goals, ensuring you’re on track to achieve the lifestyle you desire in retirement.
Estate Planning: We work alongside estate planning attorneys to develop a plan for passing on your wealth according to your wishes, in a tax-efficient manner.
Insurance Needs Analysis: We assess your current insurance policies, healthcare to home policies, to ensure you have the right coverage to protect your assets and loved ones.
Tax Planning: We collaborate with your tax advisor to implement strategies that minimize your tax burden across your financial life.
Cash Flow and Spending Plan: We analyze your income and expenses to create a sustainable cash flow plan that supports your goals.
Education Funding: We help plan for education expenses, ensuring you have a strategy in place to fund your children’s or grandchildren’s education.
Incentive Stock Compensation Analysis: We provide a detailed analysis of your incentive stock compensation, a crucial aspect for many San Francisco Bay Area clients.
Real Estate Analysis: We include an analysis of your home's equity to mortgage balance and weigh the pros & cons of an accelerated mortgage payoff strategy. We also analyze investment properties and include them in our asset allocation recommendation.
Access to Our Robust Professional Network: Our clients benefit from access to our network of allied professionals, including accountants, tax preparers, estate planning attorneys, family law attorneys, and property and casualty insurance professionals.

Option B: Financial Planning & Financial Coaching Sessions

2. Financial Coaching

Mindset and Money Beliefs: We help you explore the underlying beliefs and attitudes you hold about money, which often shape your financial behaviors. By understanding these beliefs, you can begin to make more informed and intentional financial decisions.
Behavioral Change and Habits: Our coaching focuses on identifying and changing unproductive financial habits. We guide you in developing new, positive habits that align with your financial goals and values.
Emotional Connection to Money: Money is often tied to emotions like fear, guilt, or anxiety. We work with you to address these emotions, helping you gain confidence and a healthier relationship with money.
Goal Setting and Achievement: We assist you in setting realistic and meaningful financial goals that resonate with your personal values and aspirations. Our coaching empowers you to achieve these goals by breaking them down into actionable steps.
Overcoming Financial Barriers: Whether it’s debt, spending issues, or income challenges, we help you identify the barriers holding you back and create strategies to overcome them.
Accountability and Support: Financial coaching provides continuous accountability and encouragement. We support you through your financial journey, helping you stay committed to your goals and navigate challenges as they arise.

Option B: Financial Planning & Financial Coaching Sessions

How Are Fees Calculated?

Fee Structure:

Flat Fee: $3,200 for individuals, $4,000 for couples. Includes comprehensive financial plan and 8 financial planning & coaching sessions. Clients may continue receiving support by requesting additional sessions at $400/session (individual) or $500/session (couple). Clients may upgrade to Service Option A, our assets under management model, at anytime.