How We Work

At Island Insight Wealth, our process is designed to be straightforward, transparent, and built around your life — not the other way around. We move at your pace and keep communication simple so you always know where you stand.

  • If we haven’t already spoken, we start with a relaxed 30-minute call where you share your goals and situation. During the call, we can take a look at a quick overview estimate of your retirement success probability based on simulation, and decide whether to continue to our next meeting.

  • We gather the full picture of your finances and build a comprehensive, coordinated plan that covers your investments, retirement strategy, taxes, cash flow, and life goals. From here you can decide if our services are right for you.

  • Using our quantitative models and financial plan that we’ve built together, we design a risk-managed portfolio built specifically for you — with low-cost stocks and ETFs through Schwab.

  • We handle the paperwork and implementation together, then meet regularly (at least annually) to review progress, make adjustments, and keep you on track.

Frequently Asked Questions

  • Our fee schedule is fully transparent and competitive:

    • 1.25% on the first $500,000

    • 1.00% on the next $500,000 (up to $1 million)

    • 0.80% on assets above $1 million

    Fees are calculated quarterly and billed in arrears. Because we build portfolios exclusively with low-cost stocks and ETFs through Schwab, there are no third-party model-management layer and no loaded mutual funds. Exact fees and any minimums are discussed during your discovery call and confirmed in your advisory agreement.

  • Because we develop our quantitative models in-house and use only low-cost stocks and ETFs held directly at Schwab, we typically avoid the third-party model fees or higher-cost fund expenses that many other advisory relationships include. As a result, our all-in costs are generally lower than what clients often experience with those structures.

  • Yes — the majority of our meetings are virtual for convenience, though in-person meetings are always available in the Kansas City area.

  • We work with individuals and families who are building wealth, approaching retirement, or already retired and focused on making their savings last throughout retirement. Most of our clients value clear communication, institutional-level analysis, and a low-pressure, relationship-first approach.