Foxholm Financial is a small practice based in Georgia, serving STEM professionals, educators, and retirees across Georgia and the Southeast. Every engagement is handled directly by Robert Stowe, with the same fee-only, fiduciary approach at every service tier. Meeting times are flexible, including evenings and weekends.

Fee-Only Fiduciary

No commissions, no product sales. Obligated to act in your best interest under the fiduciary standard. Learn what fee-only means.

Quantitative, Data-Driven Analysis

Systematic strategies built on Monte Carlo simulations, factor research, and transparent methodology you can verify.

Georgia and the Southeast

Retirement income planning, multi-year tax strategy, and portfolio construction for STEM professionals, educators, and retirees, virtually across the Southeast and in person around the Atlanta metro.

Choose Your Service

Flat-Fee, One-Time Engagement

All services billed at $300/hour in 15-minute increments ($75 minimum for quick consultations). No AUM fees. No commissions.

For $900, you receive a professional Investment Policy Statement and lifetime spending analysis: the strategic framework to manage your portfolio for the next decade, with the option to return for periodic check-ins.

Strategic Retirement Review

Comprehensive
$900 flat fee Learn More →

Two core pillars: a lifetime spending analysis using economics-based consumption-smoothing algorithms (500 Monte Carlo simulations) to determine sustainable spending, and a structural portfolio overhaul with a customized Investment Policy Statement and step-by-step transition plan.

Deliverables:
  • Comprehensive Investment Policy Statement & Action Plan – Part 1 defines your target equity allocation, fixed-income strategy (including bond ladder construction where appropriate), and rebalancing protocols. Part 2 maps each asset class to specific, executable tickers with step-by-step trade instructions.
  • Portfolio Cost & Risk Analysis – Review of every holding for expense ratios, overlap/redundancy, and uncompensated risk, with specific low-cost alternatives identified
  • Contribution Strategy – A prioritized framework for directing new savings (e.g., 401k Match → HSA → Backdoor Roth)
  • 60 Minutes of Live Consultation – Typically split between an introductory call and a strategy review session
  • Retirement Spending Projections – Lifetime consumption-smoothing analysis powered by MaxiFi Planner. Includes 500 Monte Carlo simulations testing both fixed baseline costs and discretionary lifestyle spending to answer the fundamental question: "How much can I afford to spend each year?"

Cost savings potential: The review typically identifies expense ratio reductions that may offset the engagement fee, depending on your current holdings.

2 hours analysis + 60 min live consultation

Scope: Up to 30 securities across 6 accounts. Additional complexity billed at $300/hour.

View Sample Strategic Retirement Review:
Dual-Income Couple Retiring Educator Lifetime Spending, Dual-Income Couple Lifetime Spending, Retiring Educator

Add-on: A multi-year Roth conversion plan can be added to any review or purchased separately.

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Focused Portfolio Review

$300 flat fee Learn More →

The quick diagnostic. Ideal for addressing a specific question like "Is my 401(k) allocated correctly?" or getting a professional second opinion on 1–2 accounts without the full formal IPS document.

What's Included:
  • Analysis of current portfolio for expense ratios, overlap/redundancy, and risk exposure
  • Assessment of asset allocation within your available investment options (e.g., 401k fund lineup or full market access)
  • Identification of potential concerns or opportunities within existing holdings
What's Not Included:
  • Roth conversion strategies or account restructuring plans
  • Investment Policy Statement or written plan documents

Deliverable: Written summary plus optional 15-minute video walkthrough or live call

Scope: Up to 20 securities across 4 accounts. Additional complexity billed at $300/hour.

View Sample Focused Portfolio Review:
Dual-Income Couple Retiring Educator
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Periodic Investment Consulting

$300 per review Learn More →

Retainer-based consulting for clients seeking long-term guidance on portfolio strategy. Schedule quarterly, semi-annual, or annual reviews.

Structure:
  • 30 Minutes Async – Upload statements or specific questions 48 hours in advance. Advisor reviews data and prepares analysis.
  • 30 Minutes Live – Focused video consultation to deliver findings and Q&A
Common Review Topics:
  • Portfolio rebalancing opportunities
  • Tax-loss harvesting and asset location adjustments
  • Open enrollment benefit decisions
  • End-of-year tax planning

Prerequisite: Initial engagement requires a Strategic Retirement Review to establish your IPS framework.

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Hourly Consulting

$300 /hour (15-min increments) Learn More →

Project-based modeling for specific questions, from retirement readiness projections and Roth conversions to Social Security timing, 403(b) rollovers, and other topics requiring specialized analysis.

Available Topics:
  • Retirement Readiness Modeling – Social Security claiming strategies. Roth conversions and "tax bracket filling." (Typical: 2-3 hours)
  • 403(b) and Pension Planning – 403(b) and 457(b) rollovers, annuity fee review, and pension election analysis for educators and public-sector employees. (Typical: 1-2 hours)
  • College Funding Analysis – 529 projections, superfunding strategies, cash flow modeling. (Typical: 1-2 hours)
  • General Financial Consulting – Any other financial topic requiring fiduciary review.
  • Equity Compensation Strategy – Restricted Stock Unit (RSU), Incentive Stock Option (ISO), and Employee Stock Purchase Plan (ESPP) tax timing, from vesting and selling decisions to winding down concentrated employer stock near retirement. (Typical: 1-2 hours)
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Payment Terms
  • All fees due in advance before services are rendered
  • Billed in 15-minute increments at $300/hour
  • Payment via AdvicePay (ACH or credit card) – we never deduct from investment accounts
  • Termination: Clients may terminate at any time. Unused prepaid fees refunded promptly.
$300/hour No AUM Fees

Core Service Areas

Retirement Income

Social Security claiming strategies, pension decisions, withdrawal sequencing

Portfolio Construction

Systematic strategies, risk-managed approaches, portfolio analysis

Quantitative Research

Backtesting, Monte Carlo simulations, factor analysis, custom quantitative research

Estate Coordination

Beneficiary planning, wealth transfer strategies

Equity Compensation

RSU, ISO, and ESPP tax timing, plus winding down concentrated employer stock near retirement

Frequently Asked Questions

Your accounts stay at your custodian (Fidelity, Schwab, Vanguard, your 401(k) provider, etc.) under your own login. After the analysis is delivered, you place each trade yourself. For clients who want additional support, the firm offers an optional secure screen-share session via Google Meet: you share your screen, and we walk through your brokerage interface together while you click through each order. You see and confirm every order ticket. Foxholm Financial does not hold custody of your assets and does not have your login credentials.

AUM fees scale with portfolio size and compound against the portfolio. A 1% annual AUM fee on a $750,000 portfolio is approximately $7,500 per year, growing as the portfolio grows. The Foxholm Financial $900 Strategic Retirement Review is a one-time, flat fee. Re-engagements are available as needed through Periodic Investment Consulting at $300 per review or hourly consulting at $300/hour. For clients comfortable executing their own trades, the flat-fee structure may be dramatically less expensive over a 10 to 30 year horizon, depending on portfolio size, planning frequency, and the AUM rate being compared against. AUM models offer their own conveniences, including ongoing rebalancing and behavioral coaching; the right structure depends on individual circumstances.

The $900 Strategic Retirement Review includes a written Investment Policy Statement with target allocation, fixed-income strategy, rebalancing protocols, and specific ticker recommendations; a portfolio cost and risk analysis; a contribution-priority framework; a lifetime spending analysis with 500 Monte Carlo simulations powered by MaxiFi Planner; and 60 minutes of live consultation. Scope covers up to 30 securities across 6 accounts. Items outside the standard scope, such as multi-year Roth conversion ladders or detailed equity-compensation modeling, can be added as hourly consulting at $300/hour.

The first reply comes directly from advisor Robert Stowe, usually within one to two business days. The next step is a complimentary 15-minute introductory call to understand your situation and determine whether the firm's quantitative approach is the right fit. Meeting times are flexible, including evenings and weekends. There is no pitch and no pressure on the introductory call.

Ready to Get Started?

Send a message to start a direct conversation about your financial situation. As a small Georgia practice, the introductory exchange is with the advisor, not a sales associate. Flexible meeting times available.

Contact Us Learn About Our Approach