Your Vision.
Your Plan. Anywhere.
Helping established professionals and retirees live their lives to the fullest
Based in Boerne, Texas, serving families nationwide. Meeting virtually means wherever life takes you, personalized advice is within reach
Who We Are
At Forma Financial Planning, we make financial planning fit seamlessly into your busy lifestyle. Led by Dave Bartoski, CFP® we leverage nearly two decades of financial experience to simplify and clarify your path to financial success.
What We Do
You’ve worked hard to achieve success, and having a financial plan makes sure that you can make smart, informed decisions to get the most out of life.
As your trusted partner, we put all the pieces of the puzzle together to ensure your resources are used effectively and efficiently. We give you time tested strategies to help reduce taxes, optimize your retirement benefits and make your hard-earned money work for you.
Retirement Planning
Figuring out how much to save, where to save it and how to create an income stream that will last your lifetime can be overwhelming. We’ll help you navigate the complexities whether you are accumulating assets, transitioning into retirement or already in retirement.
Investment Planning
Determining your risk tolerance and the right asset allocation is just the beginning. We’ll optimize your investments across all your accounts, select and monitor investments, and rebalance your portfolio in a tax efficient manner.
Education Funding
There’s a myriad of choices to consider when planning to pay for higher education. Understanding the various 529 plans, using investment accounts, along with implications to the financial aid process, everyone’s situation is unique and we’ll help you navigate these decisions with confidence – every step of the way.
Emergency and Risk Management
Life can be unpredictable, but we can help you be prepared for whatever comes your way with emergency funds and insurance planning. What sets us apart is we are fee-only fiduciaries, which means we don’t sell insurance products. This enables us to provide objective advice that’s in your best interest and not a high pressure sales pitch.
Estate Planning
We’ll make sure your plan reflects where you want everything to go in the most efficient way possible, collaborating with attorneys to establish wills, trusts, and directives.
Tax Strategies
Knowing how your investments will impact your taxes, social security, Medicare benefits and estate is crucial to maximizing your finances. We’ll put a plan in place that’s as efficient as possible so that you can protect everything you’ve worked for.
Who We Help
Established Professionals
Transitioning to Retirement
Living in Retirement
We typically work with clients who have at least $500,000 in investible assets per household.
We’re Different
Virtual
Flexibility
Dave meets you wherever you are, offering expert financial advice without the need for a physical office, perfectly fitting into your dynamic lifestyle.
Tailored Financial Insight
Customized financial strategies that reflect your unique situation, ensuring advice is relevant, aligned with your goals, and always in your best interest.
Clear, Direct Communication
Complex financial concepts are made understandable, empowering you with the knowledge to make informed decisions.
Transparency
We don’t work on commissions or get paid by investment or insurance companies. We are paid by and work directly for our clients. As a fiduciary, our advice is always in your best interest.
Deep Industry Experience
Nearly two decades of experience at the crossroads of finance and technology, offering insights and strategies that are both innovative and reliable.
See How We Work
Our Fee Schedule
The fee is based on a percentage of assets under management. The annualized fees for investment management services are based on the following fee schedule:
| Assets Under Management | Annual Advisory Fee |
| $0 – $1,000,000 | 1.00% |
| $1,000,001 – $3,000,000 | 0.85% |
| $3,000,001 – $5,000,000 | 0.65% |
| $5,000,001 and Above | 0.50% |
The annual advisory fee is paid quarterly in arrears based on the average daily balance of the Client’s account(s). The advisory fee is a blended tier. For example, for assets under management of $2,000,000, a Client would pay 1.00% on the first $1,000,000 and 0.85% on the remaining balance. The quarterly fee is determined by the following calculation: (($1,000,000 x 1.00%) + ($1,000,000 x 0.85%)) ÷ 4 = $4,625.
In determining the advisory fee, we may allow accounts of members of the same household to be aggregated. FFP relies on the valuation as provided by Client’s custodian in determining assets under management. Our advisory fee is prorated for any partial billing periods occurring during the engagement, including the initial and terminating billing periods.
Insights
Stay informed and empowered with our Insights section, where we delve into the latest financial trends, strategies, and tips designed to enhance your financial knowledge.
Your Financial Planning, Anywhere
Schedule your introductory meeting with Dave today. Let’s start building your path to financial success wherever you are.
Common Questions
Where are my assets held?
Forma Financial Planning has selected Charles Schwab & Co., Inc. as primary custodian for our client’s accounts.
How do you get compensated?
We are a fee-only (commission-free) financial planning firm. This means the only compensation we receive comes directly from families we serve. We believe this is the fairest and most transparent way to provide financial advice as it ensures our interests are always aligned with yours. Since we’re not tied to any proprietary products, we can act as true advocates to identify the most cost-effective and appropriate solutions to meet your goals. Before committing to an engagement, our clients know exactly what they’ll pay for the advice they receive.
Are you a fiduciary and what does that mean to me?
Yes, Forma Financial Planning provides advice as a fiduciary. A fiduciary has the highest ethical obligation to always put your interests first. Many financial professionals are not held to this standard and only required that their recommendations are “suitable”. The suitability standard can sometimes result in conflicts of interest, and Advisors selling products to generate a higher commission. We believe the fiduciary standard is the best way to serve our clients.
How will my data be protected in the online planning process?
We partner with Right Capital’s technology to provide financial planning. They have implemented security controls to protect your information, which can be found here.
Do you have investment minimums?
Our minimum account size requirement is $500,000 per household to open or maintain an account under our management. FFP may reduce or waive the minimum account size requirement on a case-by-case basis.
Is there a fee for the initial meeting?
The initial meeting is complementary and is used for us to get acquainted.
