Aegis Financial Advisory offers comprehensive financial planning, retirement income strategies, and tax preparation and planning for individuals and couples. Founded in 2006 and led by Joseph Alfonso, the firm specializes in helping pre-retirees and retirees build sustainable retirement income streams, optimize Social Security benefits, and minimize taxes on retirement distributions. Aegis Financial Advisory distinguishes itself by combining traditional financial planning with specialized tax expertise as an Internal Revenue Service Enrolled Agent. The firm provides guidance on portfolio analysis, asset allocation using passive, no-load mutual funds, risk management, estate planning, and special needs planning. Aegis Financial Advisory operates on a fee-only basis, meaning they do not sell products or earn commissions, and they maintain a legally required commitment to act in their clients' best interests.
Fee Structure
Aegis Financial Advisory charges an ongoing flat annual fee based on total net worth, which covers comprehensive financial planning, retirement strategy, tax planning, and investment advice:
- Under $1.5M — $6,000 per year ($1,500 quarterly)
- $1.5M to $2M — $8,000 per year ($2,000 quarterly)
- $2M to $5M — $9,000 to $14,000 per year depending on net worth tiers
- $5M to $9M — $15,000 to $18,000 per year depending on net worth tiers
- Over $9M — 0.2% of net worth per year, starting at $18,000+
Fees are fixed for up to two years and are billed in advance.
- Social Security Planning Review — $500 as a one-time flat fee to analyze claiming options and optimal strategies.
- Hourly consulting — $250 per hour for specific financial questions or projects.
