Flat Fee Advisors - Rebecca Kennedy's Bio

Rebecca Kennedy

CFP®

Impactfolio

Denver, CO

Contact Rebecca

Rebecca can help you with

Investment Analysis
Retirement Planning
Employee Benefits
Tax Optimization
Insurance Planning
College Planning

Expertise

Investment Analysis and Planning
SRI or ERI
Portfolio Management
Retirement Planning
Benefits and Compensation Planning for Employees
Equity Stock and Options Planning for Employees
Tax Optimization
Insurance and Risk Management
Estate and Legacy Planning
Charitable Giving
Cash Flow Analysis
Debt Management
Saving and Investing for College
Life Event Planning
Divorce Planning
Real Estate Planning
Business Finance Planning

Pricing

The price for our services is one easy-to-understand, annual flat retainer fee. No hidden fees. This fee includes our holistic financial planning and investment management services.

For clients with less than $3,000,000 in combined assets under management, our annual flat retainer fee is $7,500 per year.

For clients in excess of $3,000,000 in combined assets under management, our annual flat retainer fee is based on complexity and needs of the client.

We are in this business to be a financial force of good for our clients. We believe in keeping our overhead business expenses low so that we can offer our services at a justifiable cost. No high-rise offices, no fancy parties, no expensive advertising. Our clients tend to be hard-working individuals who appreciate our business model, believe in impact investing, and have more than $750,000 of investable assets. We have designed our firm to cater to this niche and created a fee structure that reflects our value. In order to deliver our high-service model, we will cap our client relationships for the entire firm. We believe this is the only way to provide quality over quantity.

As fiduciaries, we are constantly seeking ways to provide valuable services to our clients at a reasonable cost and reduce conflicts of interest. We believe that avoiding commission-based advice is a step in the right direction. However, we still believe that a conflict of interest exists in the 1% of assets under management fee structure. Under this model, an advisor is still incentivized to convince a client to transfer as many assets as possible under his/her management in order to increase the fees collected. We do not believe a fee should be based on the arbitrary value of a client’s investment portfolio. We know from our collective 65+ years of experience that there is not a significant difference in the work required to serve a client with $750,000 in assets vs $3,000,000 in assets. Why should one client pay tens of thousands of dollars more each year in fees?

The difference in costs and lost portfolio growth over time is shocking when you compare our fee structure with the traditional 1% of assets under management.

About

It was serendipity that led Rebecca into the financial services industry right after college in 1999, and finding true fulfillment in helping people that kept her there. Financial planning is both an art and a science that marries two of her favorite disciplines, psychology and math. She enjoys utilizing aspects of these two disciplines every day to help clients work toward achieving their financial goals.

Rebecca is the “E” in the ESG (Environmental, Social, & Governance) investing principles. Growing up in Tennessee, a significant portion of her childhood and adolescence was spent hiking in the mountains with her family. She gained an appreciation for the natural world at a young age while observing the indigenous flora and fauna. As an Environmental Science major at Ohio State University, she furthered her formal knowledge about the importance of conserving our natural resources and preserving the balance of our earth’s biodiversity.

She has been a CERTIFIED FINANCIAL PLANNER™ professional since 2002, and has served in a variety of capacities within the industry over the years. In the five years prior to joining IMPACTfolio®, she was the Principal of Kennedy Financial Planning, a fee-only Registered Investment Advisor in Denver, Colorado.

Rebecca has served as the Co-Chair of the Pro Bono Committee and Chair of the Public Relations Committee for the Colorado Financial Planning Association. She is also a member of NAPFA (The National Association of Personal Financial Advisors) and the Fee-Only Network. She is a previous member of the Garrett Planning Network.

Currently, Rebecca and her husband, Jim, enjoy delivering meals for Project Angel Heart. In addition, she has volunteered as a mentor for Denver Kids and a reading buddy for Mount Saint Vincent Home.