Our Services & Fees

Are you looking for ongoing financial advice and investment management?

What we offer

We provide ongoing planning and advice about all aspects of your finances. This includes discretionary management of your investments and ongoing tax minimization planning.

What you get

The starting point of our ongoing service is the creation of your financial plan, which is the roadmap for future decision making. However, as life happens, financial markets do what they do and tax legislation changes, your financial plan will inevitably evolve over time. With our ongoing planning & investment management service, we're there to be your trusted partner to help you make the necessary decisions along the way.

After completion of your initial plan, we'll work closely with you throughout our relationship. Typical areas in which we provide ongoing advice are:

Portfolio growth strategies
Annual portfolio withdrawal strategies
Roth conversions
Establishing when to claim Social Security
Pre-Retirement and Post-Retirement transition
Selecting pension payment types
Transferring and/or consolidating investment accounts
Cash flow planning and budgeting
Alternative Retirement Planning
Federal Civilian & Military Benefits
Executive Benefits and Section 409A
Reallocating investment portfolios
Determining health insurance options
Tax planning
Establishing a spending plan
Consolidating debt
Refinancing a mortgage
Buying or selling real estate*
Purchasing / Exit strategies for closely held businesses*
Amending insurance coverage
Updating estate documents and beneficiary forms
Changing income tax withholding elections
Much, Much more

Financial planning is a process, not a product. It's a close ongoing relationship between you and us involving regular meetings, webinars, calls, e-mails, etc. The ultimate goal is for us to help you make the best possible decisions around your finances to allow you to live your best possible retirement!

We'll typically have two - three formal meetings per year to update your plan, refine your portfolio withdrawal strategy, determine each year's tax planning objectives and actions, review estate plans and wishes, discuss any questions you have, etc. While the goal is to have two - three official meetings each year, you're not limited to only working with us every four to six months...we're here for you as life happens! We're accessible by meeting, phone, e-mail or Zoom conference as life unfolds and financial decisions need to be made.

Additionally, you'll have continuous access to your own personal finance through our financial planning software portals. Your client portal allows you to aggregate info from all of your various banking, investment and lending accounts into one single view. You'll be able to see and track your net worth, investment holdings, cash flow and various other financial reports.

We'll also provide ongoing discretionary management of your investable assets, through accounts held in custody at Charles Schwab. We use a straightforward, passive and fee-conscious investing approach that ensures your portfolio will remain diversified, low cost and best allocated for your risk tolerance and financial profile.

For whom is this service best

This service is best for anyone looking for a trusted fiduciary partner to help with ongoing financial, tax and investment decisions throughout retirement. We provide advice on annual income planning and portfolio distributions, tax planning, Roth conversions, investment management, tax-efficient gifting, charitable donation strategies, and estate planning, etc. We also focus on long-term tax minimization throughout every step of our financial planning and investment management processes.

What it costs

For a Couples / Families A flat annual fee, typically $9,500* per year

For an Individual A flat annual fee, typically $7,500* per year

*Your fee will be agreed upon prior to entering a formal engagement with us. Fees will be billed directly or deducted directly quarterly from your investment accounts under our management at Charles Schwab.

* The fee may be higher if you are a business owner, have a highly structured legal estate, own private or illiquid investments, Real Estate Investment portfolio or otherwise have a lot of complexity in your financial life. We will quote you the final fee after having an introductory call. Our service is generally the most cost-effective for those with investable assets of $1,000,000 or more. It's not the right fit for those with an excess of $5,000,000. If you have excess we will be glad to discuss during our engagement process what service level needed.

Foundational Financial Counseling

For those who need core coaching. whether you are starting out in your life’s adventures or needing do over. We take a deep dive into the specifics of your situation, evaluate the various options you have and paths you could take, and run projections so we can see the impact of your decisions over the long-term. You’ll walk away with clarity on action steps to take next so you can confidently make further progress on your own. We review your annual service calendar to plan accordingly for your financial life, so that you can meet your goals.

$900 per session
Here’s what else you receive with the Program:

Initial help organizing your relevant financial information
Analyses and preliminary projections prepared before your scheduled meeting by your advisor (this means your meeting time is completely devoted to your planning needs, since we do this work beforehand)
Conversations to dig deep about your goals and needs, we help create an actionable plan for you to use immediately, with a summary action plan to take and implement.
Email access after your session to answer any clarifying questions about what to do next to implement your new strategy.

Unlike many advisors, our ongoing fee is not tied solely to the amount of your investable assets. The size of your investment accounts is generally a poor gauge of the complexity of your financial life and therefore a poor gauge of the amount of time and resources necessary to provide you proper planning and advice.

Next step

This is a big decision, you will have questions and we will want to have a starter conversation. Set up an introductory call, on this call we will talk about your goals, and plans. We will talk about how we work with you. If we are not the right fit for you and your family, we will happy recommend another advisor to you.

* The fee may be higher if you are a business owner, have a highly structured legal estate, own private or illiquid investments, Real Estate Investment portfolio or otherwise have a lot of complexity in your financial life. We will quote you the final fee after having an introductory call. Our service is generally the most cost-effective for those with investable assets of $1,000,000 or more. It's not the right fit for those with in excess of $5,000,000. If you have excess we will be glad to discuss during our engagement process on what is needed.*Fees are billed quarterly from an investment account unless agreed upon at engagement.

*(1) Fees are subject to change with advanced notice in writing, COLA. (2) Financial planning fees can vary due to the complexity of the overall plan and client situation and may require additional time and fees. (3) Sub-advisors charge additional fees and are disclosed at engagement.