We provide ongoing personalized financial planning and investment management for a flat annual fee. Additionally, we offer one-time retirement plans and income tax preparation services.
Ongoing Financial Planning & Investment Management
Our ongoing financial planning and investment management service begins with defining your financial purpose and creating your initial financial plan. Your financial purpose will be the basis for our conversations and financial decision-making.
As your life evolves, financial markets shift, and tax legislation changes, we will adjust your financial plan as needed.
Our ongoing financial planning and investment management service includes:
- Retirement timeline projections, including early retirement planning
- Investment management
- Investment allocation, tax efficiency, and diversification planning
- Setting a retirement spending plan
- Annual portfolio withdrawal strategies
- Roth conversion analysis
- Tax planning and tax minimization strategies
- Deciding when to start Social Security
- Electing pension options
- Estate document and beneficiary review and planning
- Charitable giving planning
- Health insurance and Medicare planning
- Insurance planning
- Defining your legacy wishes
Flat annual fee of $10,000
Our flat annual fee is transparent and predictable and not tied to the size of your investment portfolio. Many advisors charge an assets under management (AUM) based fee typically between .85% and 1.5% per year. That means that the larger your investment portfolio is, the higher your annual fee will be.
The table below outlines typical annual fees under the traditional assets under management fee model to illustrate how our flat fee retirement planning and investment management compares.
Financial planning is an ongoing process and a partnership. After implementing your initial financial plan, we will maintain a close and proactive planning relationship. Our goal is to remain in your corner and provide comfort and confidence so you can live your best life through retirement.
We typically have two meetings per year to review your plan, assess your annual spending needs, design your portfolio withdrawal strategy, create your yearly tax planning strategy, and discuss anything on your mind. Outside of our typical reviews, we are available for additional meetings as needed and are always accessible by email and phone. We are here for you as life happens and will never limit our interactions!
One-time Retirement Plan
We offer one-time retirement plans on a limited basis. Our one-time plan service may be a good fit for individuals and families interested in one-time advice on their situation and who are comfortable implementing planning recommendations independently. A one-time plan may be a good fit if you are:
- Still working and want to assess your preparedness to retire
- Transitioning into retirement and want to create a retirement strategy
The fee for a one-time plan starts at $5,000 based on the number of topics covered and the complexity of your situation.
Income Tax Preparation
We offer income tax preparation to our ongoing financial planning clients. Fees for income tax preparation start at $400 for your federal (1040) and one state return.
*Your prior year tax returns and current year income tax situation will be reviewed, and fees will be discussed and agreed upon before entering our tax preparation agreement.