Financial Planning
A plan for your whole life, not just your money.
Financial planning at Serein is a living plan built around your goals, your family, and every stage of life, guiding each decision that follows.
What we build, we tend, year after year.
It starts with one question: what does a good life look like for you?
Your family’s financial partner.
That answer becomes the starting point. Financial planning at Serein means building backward from what matters to you—connecting your accounts, decisions, and resources to the life you’re planning for.
From there, we operate like a trusted chief of staff. Your priorities set the direction. We help coordinate the details, explain the why behind the what, and bring thoughtful ideas forward as circumstances and opportunities arise.
We believe in thoughtful advice, clear communication, and a relationship built around your best interests, rather than unnecessary products or pressure. Our focus is helping you make informed decisions with confidence.
THE FOUNDATION
Diligently documented.
Every Serein relationship begins with a living document built from your goals, your family, and every stage of life ahead. Not projections for a binder. A clear picture of where you stand and where you want to go, evolving as your life and priorities change.
Alongside it sits your Investment Policy Statement, drafted with you, signed by you, and kept on file: your risk profile, your model assignment, your target allocation, and the rebalancing policy that governs it all.
Risk, allocation, and rebalancing policy, signed and on file
Every recommendation traced back to something you named
The plan is the deliverable. Your portfolio is the implementation.
Your life on paper. The rules in writing.
WHAT IT COVERS
Every corner of your financial life.
Financial lives can become fragmented over time—an account here, a policy there, a business somewhere else, without a single place where it all comes together.
We bring the important pieces into one working picture, helping you see how decisions connect and consider each one in the context of the bigger plan.
Goals and milestones, named, priced, and given a timeline
Investments aligned to the life they fund
A retirement income plan built around your goals and avaliable resources
Taxes handled before deadlines, not after them
Protection sized to your real life
An estate that passes on the way you meant it to
The whole of it, not the parts.
THE ONBOARDING JOURNEY
From first conversation to implementation.
Discovery
An unhurried, confidential conversation about your goals and your family, with no obligation attached
Your full picture
A household questionnaire and a formal risk profile, so nothing about your life is left to guesswork
Two documents
Your financial plan and your Investment Policy Statement, drafted together and built from what you named
Page by page
Every page walked through in plain language, with room for every question before anything moves
Implementation
Accounts aligned to your approval, with every step documented and shared with you
Ongoing care
Annual reviews, quarterly check-ins, and proactive communication when something changes, in your life or in the markets.
Always included, never an add-on.
One fee. The whole relationship.
Serein is compensated one way: a single, tiered advisory fee based on assets under management, declining as the relationship grows.
Our advisory fees and any other compensation or potential conflicts are disclosed in our advisory agreement and applicable disclosures. You see the exact fee schedule in writing during your first conversation, before any commitment is asked of you.
You see the exact schedule in writing during your first conversation, before any commitment is asked of you.
A comprehensive financial plan
A signed Investment Policy Statement
Ongoing investment management
Annual reviews and proactive communication
Tiered advisory fee based on assets under management
Frequently Asked Questions
Asked often,
answered plainly.
Do you have an account minimum?
No. Serein does not hold to a minimum. Fit is decided in a conversation, not by a figure.
How are you paid, and what does it cost?
Through one tiered advisory fee based on assets under management, declining as the relationship grows. No commissions and no third-party payments of any kind. It covers the full relationship: financial planning, the Investment Policy Statement, investment management, and every review in between. You receive the exact schedule in writing during the first conversation, before any commitment is asked of you.
What if I already work with an advisor or CPA?
Your CPA and attorney stay. We work alongside the professionals you already trust, helping connect the advice that touches your broader financial picture. If you’re considering a change of advisor, we’ll take a fresh look at what you have, identify what’s working, and help you understand where there may be opportunities to improve.
What happens after I start a conversation?
You hear back within one business day. Then an unhurried, confidential conversation, free of any obligation. You talk, we listen, and together we decide whether we are a fit.
Are you a fiduciary?
Yes. Investment advisory services are offered through Arete Wealth Advisors, LLC, an SEC registered investment adviser, and when we act as your adviser we are fiduciaries, obligated to put your interests first.
What makes Serein different from a larger firm?
We are small on purpose. You work directly with the team, your whole financial life is known by the people advising it, and every call or email is returned within one business day. Depth over volume, by design.