Fee Only Comprehensive Retirement Planning
Below are our two primary fee offerings. Not everyone is ready for the same level of engagement right away. Some clients choose an ongoing planning relationship while others prefer targeted, hourly guidance. In certain transition periods when life or finances are in flux we may begin with a limited-scope, time-bound pro bono engagement designed to build clarity and trust.
We believe retirement planning should be transparent, tax-smart, and tailored to your life.
Ongoing Financial Planning & Investment Managment
| 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% |
When we manage $500,000 or more, any ongoing monthly financial planning fee is fully included.
Hourly Consulting
$250 / hour
Limited Scope is typically 2-4 hours (i.e. RMD minimization, social security timing)
Full Financial Plan typically is 10-30 hours
What You Can Expect
Over the next three months (1 to 3 weeks between each meeting)
Step 1) Get to Know Each Other - Schedule a complimentary intro call to discuss what’s on your mind and whether we're a good fit to work together.
Step 2) Get Organized - Before our next meeting, you can securely upload your most recent tax return and any other key documents that help us see the full picture.
Step 3) Retirement Assessment & Agreement - We’ll walk through your current situation, identify gaps, and outline how we could work together to address them. If we both decide to move forward, we’ll formalize the engagement with a simple client agreement marking the official start of your plan
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.
Ongoing Service & Support
We’ll meet every spring and fall to review progress, with unlimited access to us anytime life changes. Throughout the year, you’ll also receive proactive touch points like:
- Q1 1099 and RMD reminder
- Q2 income guardrails review
- Q3 beneficiary and estate updates
- Q4 year-end tax planning
Services In Detail
- Financial Planning
- Investment Management
- Corporate Retirement Plans (for businesses)