Working with Us
Your Financial Future, Simplified.
At Grover Financial Services, we believe a strong financial future starts with more than just investments — it starts with a plan. That’s why we offer holistic financial planning and investment management tailored to your needs and grounded in your goals.
Financial Planning: Gain a complete perspective of your financial life — with personalized guidance at every step.
Investment Advice: Diversify wisely and make confident portfolio decisions, with your plan always leading the way.
Retirement Planning: Build a sustainable income strategy for your future — one that grows and adapts with you.
Wealth Management: Preserve and grow your wealth through intentional, long-term strategies.
College Savings Plans: Prepare for education expenses with tax-smart, goal-based savings strategies.
Estate Planning: Ensure your legacy is protected and distributed according to your wishes.
Insurance Planning: Protect your family and future with the right coverage — not just a product.
Tax Strategies: Plan proactively to improve your after-tax financial efficiency, now and in retirement.
How We Work with Your Money
At Grover Financial Services, we guide your entire financial picture—not just the accounts we manage directly. That’s why our fee structure accounts for two key categories of your wealth:
Assets Under Management (AUM)
These are accounts we manage directly. We handle day-to-day investment management, trading, rebalancing, and tax-aware strategies.
This is ideal for clients who want full-service, hands-on portfolio management.
Assets Under Advisement (AUA)
These are accounts we can’t manage directly (like employer retirement plans), but we integrate them into your financial plan with oversight and strategic guidance.
This includes:
- Allocation and rebalancing recommendations
- Contribution strategy
- Retirement income and tax integration
- Investment option reviews
Perfect for professionals with significant assets in workplace retirement plans.
Our All-Inclusive Fee Structure
1% of AUM + AUA
This structure ensures you receive comprehensive planning and investment guidance across your full financial picture — not just the accounts we manage.
Every client relationship includes:
- A complete, written financial plan
- Retirement income and withdrawal strategies
- Investment guidance (managed and held-away assets)
- Ongoing updates as your life evolves
- Insurance, estate, tax, and education planning
- Coordination with your CPA or attorney
- Transparent, flat pricing with no commissions or hidden costs
Who We Serve
- Professionals and executives with complex compensation or employer retirement plans
- Pre-retirees and retirees needing a steady income strategy
- Business owners seeking comprehensive planning and investment integration
- Families building generational wealth
Why Work with Us?
- Transparent, simplified pricing
- Planning-led, relationship-driven advice
- A long-term partner in your corner
- No product pushing—just real, fiduciary guidance
Take the first step toward financial confidence. Download our checklist and schedule a consultation.