HighRock prepares a financial plan to the client's brief and delivers written asset allocation recommendations, covering retirement funding requirements, education funding, household cash flow and other major financial objectives. The service is charged on a fixed fee, set in writing before work begins according to the scope and complexity of the engagement.
HighRock 根据客户的要求制定财务规划，做出书面的资产配置建议。涵盖退休资金需求、教育资金安排、家庭现金流及其他重大财务目标。服务采用固定费用，具体费用根据委托范围与复杂程度在开始前书面确定。
One-time, project-based analysis of a specific financial question.
针对特定财务问题提供一次性、项目制的专业分析。
Before work begins we agree the scope of the plan, what will be analyzed, and the fixed fee, and confirm all of it in writing. After the necessary information gathering and analysis, we deliver a written financial plan based on your current financial situation and the stated assumptions.
在服务开始前，我们会与客户明确规划范围、分析内容及固定费用，并以书面形式确认。完成必要的信息收集和分析后，我们将提供一份基于客户当前财务状况与既定假设的书面财务规划。
A plan may cover:
规划内容可包括：
401(k) and employer-sponsored retirement plans are covered by a separate engagement with its own fixed fee — scope and fees below.
401(k) 与雇主退休计划属于单独委托，另有固定费用——范围与费用见下。
HighRock can bring a client's 401(k), 403(b) and other employer-sponsored retirement plans into the overall portfolio analysis and provide ongoing asset allocation and rebalancing recommendations.
HighRock 可将客户的 401(k)、403(b) 及其他雇主退休计划纳入整体投资组合分析，并提供持续性的资产配置与再平衡建议。
We analyze the funds and other investment options actually available inside the plan against the client's overall asset position, retirement objectives, time horizon and risk tolerance, and form allocation recommendations accordingly.
我们根据客户的整体资产状况、退休目标、投资期限及风险承受能力，对计划内实际可用的基金及其他投资选项进行分析，并形成相应的配置建议。
| Item项目 | Fee费用 |
|---|---|
| Initial allocation analysis初次配置分析 Plan menu analysis and an allocation recommendation set against the client's overall asset position, delivered in writing. Recommendations are limited to the options the plan menu actually offers — typically mutual funds, collective investment trusts or target-date funds rather than individual listed securities. 计划菜单分析、结合整体资产状况的配置建议，书面交付。建议以计划菜单实际提供的选项为限——通常是共同基金、集合投资信托或目标日期基金，而非个股。 |
$800 50% on execution, 50% on delivery签约 50%，交付 50% |
| Annual review年度复核 One allocation review and rebalancing recommendation each year, delivered in writing. 每年一次配置复核与再平衡建议，书面交付。 |
$400 / yr / 年 billed on completion of the review于复核完成时收取 |
| Trading authority交易权限 None. HighRock has no trading authority over the plan account; the client implements any adjustment. 无。HighRock 对该计划账户不具有交易权限，相关调整由客户自行执行。 |
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| Plan assets and the management fee计划资产与管理费 Assets held in the plan are not included in the billing base for the portfolio management fee. 计划账户内的资产不计入投资组合管理费的计费基数。 |
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Source: Form ADV Part 2A, Items 4 and 5. Fees are negotiable; the fee that applies is the one set out in the signed written agreement.来源：Form ADV Part 2A Item 4 与 Item 5。费用可协商，最终适用费用以双方签署的书面协议为准。
| Fee费用 | Fixed fee, $1,500 – $5,000, depending on the complexity and scope of the engagement. A written estimate is provided before work begins. 固定费用 $1,500 – $5,000，视委托的复杂度与范围而定。开始工作前提供书面报价。 |
| Billing计费 | 50% on execution of the agreement, 50% on delivery of the plan. 签约时收 50%，交付计划时收 50%。 |
| Delivery交付 | Within ninety (90) days of the effective date, provided you have supplied the information we reasonably request. 自生效日起九十（90）日内，前提是你已提供我们合理要求的信息。 |
| Payment支付 | Invoiced directly; paid by check or electronic transfer. We do not deduct financial planning fees from any brokerage account. 直接开具发票，以支票或电子转账支付。我们不从任何券商账户扣取财务规划费。 |
| Cancellation取消 | Terminate at any time on written notice. Terminate within five (5) business days of signing — full refund. Thereafter we bill only for work actually completed and refund any prepaid balance within thirty (30) days. 可随时书面通知终止。签约后五（5）个营业日内终止——全额退款。此后我们仅就实际完成的工作计费，并在三十（30）日内退还预付余额。 |
Source: Form ADV Part 2A, Items 4 and 5.来源：Form ADV Part 2A Item 4 与 Item 5。