Services and Fees


  • We will help you define your financial goals and objectives, and develop a Personal Financial Plan to help accomplish those goals. We can either prepare a comprehensive plan for you, or we can address specific planning needs. Comprehensive planning typically includes planning for retirement, children's educations, income taxes, life, disability and Long Term Care Insurance and investment/portfolio management. If needed, we can consult with a tax accountant and estate-planning attorney when we prepare your financial plan. 
  • If you have $500,000 or more in assets under management with us through Schwab Institutional (described below), we will provide Financial Planning services at no additional fee.  
    *Hourly Financial planning services are billed at $200 per hour. We will estimate the number of hours required to complete your plan before we begin.

ASSET MANAGEMENT - Please contact us with any questions

Our minimum account size for fee based asset management is $100,000. Our fees are based on the client's total portfolio value with breakpoints as follows:

  • Portfolios consisting of 100% Fixed Income investments pay .50% annually or .1250% quarterly.
  • Client assets, for purposes of computing the above fee, shall include the combined assets of the accounts of spouses and their children living in the same household. In the instance of multiple accounts the fee shall be paid from one or more accounts as designated by the client.

Irving Planning & Investments, Ltd. is registered as an investment advisor with Colorado Devision of Securities. Our firm provides investment advice and portfolio management. We invest client assets primarily through Schwab Institutional, a division of Charles Schwab & Company. We typically meet with clients quarterly to review portfolio performance and investment objectives.

Schwab Institutional and Charles Schwab & Company are separate entities.


  • We are licensed insurance agents and represent numerous insurance companies for life, and disability income insurance. We focus on finding the best solutions for your insurance needs.