This solution works best for families who have accumulated assets and are nearing or have entered retirement. We help our clients coordinate taxes, insurances, health care plans, estate plans as well as offer generational wealth transfer and charitable planning advice. A full financial plan is created that is based on your unique set of circumstances and goals. Our firm is unique as a fee-only planner, which means that we employ a fiduciary standard, requiring that we place our clients’ interests in front of our own. This is different from the broker’s suitability standard, which means that an investment only needs to be suitable for a client, and may involve a commission being paid. H Cubed has access to a vetted network of professionals to help our clients with the implementation of their plans. The investment policy for your portfolio is plan-based both on your risk tolerance and your objectives. The cost of our services in this model is based on the amount of assets we manage. Our minimum investment for new clients is $100,000. H Cubed does make exceptions on a case by case basis.