You're still building it. Build it on an answer.
A quarterly planning partnership for the career-building years. The architecture comes first, what the money is for, in your own words. Then a plan that grows as the wealth does.
Who Foundation is for
Foundation is for the years when most of it is still ahead.
The career is at full pace. The kids are home. The balance is growing, and the years are going by faster than it is. This is the decade people later wish they had decided on purpose.
You are building, not drawing down.
Income is the engine. The plan's job is to point it at something you have named.
You want the architecture before the products.
What the money is for, written in your words, before anything is bought or moved.
You want a rhythm that fits a full life.
A quarter is long enough to live in, and short enough to keep the plan honest. One person holds it: Niels Buksik, a CFP® professional and fiduciary financial advisor, does the work himself.
Eight weeks to a document. Then a quarterly rhythm.
Foundation is a working relationship, not a product with a login. It begins with the architecture, then settles into a rhythm that keeps the plan alive.
The reframe.
We ask what the money is for. The answer becomes the spec for everything that follows.
The Light Life Anchor.
Four pages, in your voice: time inventory, decade map, the reframe, your commitments.
The deployment sketch.
The portfolio positioned to fund the life the document describes. The work, made real.
One document. Four pages, in your voice.
Not a form to fill out. This is the shape of what you'll write, and why time, not only money, is the thing we plan around.
Time inventory
Not every year is the same year.
- Years of full strength
- Years the kids are home
- Years our parents still travel
- Years the language is learnable
Decade map
Each decade asks a different question.
Kids at home · peak earning · empty nest · second act · slower travel.
Intentions, decade by decadeThe reframe
Some windows close only once.
We cannot give our children their childhood back. The decision is what to fill it with while it's still happening.
In your words, not oursYour commitments
What this decade is for.
- Italy with the kids, fall 2027
- The sabbatical, at 52
- A week with mom and dad each spring
- Stop deferring the piano
The lines on these pages are illustrations of the form, not a client's words. Yours will be yours.
Reviewed quarterly. Re-anchored yearly.
The cadence is the discipline that keeps the plan alive instead of filed. Four quarterly reviews, and one annual re-anchor.
Four quarterly reviews.
The plan checked against what you said it was for, and adjusted before the next quarter.
One annual re-anchor.
Once a year, the document is reread and rewritten where life has moved.
A plan that grows as the wealth does.
The document is rewritten as the years change, not filed and forgotten.
One asset-based fee covers everything above.
No hourly meters, no per-plan charges. The fee schedule is in Form ADV Part 2A and is stated plainly in the first meeting.
Every re-anchor walks the whole house.
Once a year the plan is reread against six questions. Most firms treat each one as a separate meeting, or someone else's job.
Tax
Where next year's bill can be shaped, in step with your CPA.
Insurance
What is covered, what is not, and what has quietly lapsed. Reviewed, never sold.
Investments
The portfolio checked against the plan it is meant to fund, not against an index.
The business
If you own one: its place in the plan, and what it will one day have to become.
Giving
What you want to give, to whom, and the cleanest way to do it.
Estate
Wills, trusts, titles and beneficiaries, read against what you said the money is for. In step with your attorney.
ANCHORY does not prepare tax returns, draft legal documents or sell insurance. Recommendations are coordinated with your CPA and attorney.
What it is notHonest limits, stated up front.
What a firm declines tells you more than what it promises. Foundation is not:
A product with a login.
It is a working relationship, held by one person, on a quarterly cadence.
A junior Flagship.
Two engagements, not a ladder. Foundation is built for the building years; the first meeting decides which fits, if either.
A plan that gets filed.
Reviewed every quarter, re-anchored every year, rewritten as the years change.
A portfolio first.
The portfolio is positioned last, to fund the life the document describes.
A page with a price on it.
One asset-based fee. The schedule is in Form ADV Part 2A and is stated plainly in the first meeting.
Next summer at the lake, while the kids still want to come.
Written down in week four, in your words, with a year next to it. Funded on purpose, not from whatever is left over.
What happens nextThree steps. The first takes forty-five minutes.
Nothing is sold in the first meeting. Nothing has to be decided in it. There is no asset minimum to sit in it.
Book the first meeting.
Forty-five minutes, by video, phone or at the office in The Colony. Bring one question. A short pre-read arrives the night before.
Say what it's for.
In your words: the years, the people, the plans. Before any spreadsheet.
Get an honest answer.
Foundation, Flagship, or neither yet. Said in the meeting, not after.
One question, yours.
Forty-five minutes. Nothing sold, nothing to decide in the room, no asset minimum. Foundation, Flagship, or neither yet, said before you leave.
