What You Can Expect
Step 1: Get to Know Each Other (Click here to schedule) - Schedule a complimentary intro call to discuss what’s on your mind.
Step 2: Get Organized - Complete our financial planning questionnaire and securely upload your documents so we can get a full picture of where you stand today.
Step 3: Lock’s Retirement Assessment & Agreement - Review your Retirement Assessment, identify gaps, and discuss initial considerations. Sign client agreement.
Step 4: Build Your Retirement Income Plan - Once engaged, we’ll design a personalized Retirement Income Plan that shows how to turn your resources into a reliable, tax-smart income stream.
Step 5: Implement Your Investment Strategy - With your Retirement Income Plan as the foundation, we’ll build and implement a personalized investment strategy to support your long-term goals.
Step 6: Optimize Your Tax Strategy - With your plan and investments aligned, we'll refine and adjust your tax strategy.
Step 7: Review Your Insurance Coverage - Together we’ll ensure you have the right protection in place, from healthcare and Medicare to life, disability, and long-term care, so your retirement plan stays secure no matter what life brings.
Step 8: Update Your Estate Plan -Through our partner platform Wealth.com built by estate attorneys, we’ll make sure your estate plan reflects your wishes, protects your family, and keeps your legacy intact.
Step 9: Ongoing Service & Support - We’ll meet every spring and fall to review progress, with unlimited access to me anytime life changes. Throughout the year, you’ll also receive proactive touch points like Q1 1099 and RMD reminders, Q2 guardrails reviews, Q3 beneficiary and estate updates, and Q4 year-end tax planning.
Financial Planning Fee
Any ongoing monthly financial planning fee is waived and included in the investment management fee when we manage $500,000 or more.
Investment Management Fee
| Assets Under Management | Annual Fee |
|---|---|
| $0 - $1,000,000 | 1.00% |
| $1,000,001 - $3,000,000 | 0.75% |
| $3,000,001 & Above | 0.50% |
Project-Based Financial Plan
We also offer on a limited basis $2,500 upfront and $2,500 at completion. The second payment is waived if we transition into investment management. We prefer and ultimately do our work best with long term ongoing relationships on the assets under management model above in the investment management fee table
Services In Detail
- Financial Planning
- Investment Management
- Corporate Retirement Plans (for businesses)