Services & Fees

Clear Services. Transparent Fees.

Four fee-only ways to work together, designed around where you are on the road to retirement.

Schedule Your Introductory Call

How Our Services Fit Together

One path, guided at every stage.

Retirement isn’t a single decision. It’s a sequence of them, and the right kind of advice changes as you move through it. You might begin with an assessment while retirement is still a year or more away, or come to us as it comes into view and the questions are most pressing. Every engagement is fee-only, with no commissions and no product sales.

01 · Assess

Retirement Readiness Assessment

A one-time review if you’re one or more years from retirement.

02 · Transition

Retirement Transition Engagement

Typically three to twelve months of focused work together as your retirement arrives.

03 · Continue

Wealth Management

Your plan and your portfolio, managed under one roof.

04 · Planning Only

Ongoing Planning

A flat-fee planning partner, whatever stage you’re in. You keep managing your accounts.

01 · One-Time Engagement

Retirement Readiness Assessment

A focused review that answers the central question: are you on track? We examine your full picture, including income, savings, investments, and projected expenses, and deliver prioritized recommendations to strengthen your position in the years before retirement.

What We Can Cover

  • Retirement date and readiness check
  • Projected retirement spending
  • Savings and contribution priorities
  • Portfolio and risk review
  • Social Security claiming preview
  • Healthcare cost and coverage outlook
  • Tax diversification and Roth opportunities
  • Strategy session and written report

Who It’s For

You’re one or more years from retirement and want a clear view of where you stand and what to do now to improve your position.

Fee

From $2,750

One-time engagement

The exact fee reflects the complexity and scope of your situation and is confirmed before we begin. There’s no obligation to continue. If you move forward with another service after the assessment, a portion of your fee may be credited toward it.

02 · Focused Engagement

Retirement Transition Engagement

The move from a paycheck to living on your savings brings more consequential decisions than any other stage of your financial life, and many can’t be undone. Through structured working sessions, typically over three to twelve months, we make those decisions with you and coordinate your spending, income, taxes, and benefits into one clear plan.

What We Can Cover

  • Retirement date and final-year decisions
  • Retirement paycheck and spending plan
  • Withdrawal sequencing across accounts
  • Social Security and pension elections
  • Healthcare bridge and Medicare enrollment
  • Roth conversions and tax bracket planning
  • Employer retirement plan rollover decisions
  • Cash reserve and portfolio risk strategy
  • Equity and deferred compensation payouts
  • Beneficiary and estate updates

Who It’s For

You’re within about a year of retirement, or recently retired, and want confidence before making high-impact decisions.

Engagement Fee

From $4,500

Typically 3 to 12 months

The exact fee reflects the complexity of your situation and the length of the engagement, and is confirmed before we begin. There’s no obligation to continue after this engagement.

03 · Ongoing Relationship

Wealth Management

Comprehensive planning and professional investment management in one integrated relationship. Because we oversee both your plan and your portfolio, your income, investments, and tax positioning are designed to work together, so you can focus on living your retirement rather than managing it.

What We Can Cover

Planning

  • Retirement projections and progress tracking
  • Retirement, HSA, and taxable savings strategy
  • Equity compensation and benefits decisions
  • Roth conversion and tax bracket planning
  • Annual tax return review
  • Charitable giving and gifting strategies
  • Insurance, beneficiary, and estate review
  • Spending plan with monthly guardrail monitoring
  • Retirement income, withdrawals, and RMDs
  • Social Security, Medicare, and IRMAA planning
  • Regular strategy sessions and direct access

Investment Management

  • A portfolio built around your plan
  • A disciplined, rules-based investment process
  • Day-to-day management and rebalancing
  • Steady guidance through market swings
  • Consolidation of scattered accounts
  • Tax-loss harvesting and asset location
  • Retirement paycheck and cash reserve management
  • RMDs and charitable distributions carried out
  • Quarterly performance reporting

Who It’s For

You’d rather not manage your investments on your own, whether you want the confidence of professional oversight or you’ve found it hard to stay disciplined when markets rise and fall. You want everything coordinated and professionally managed, with a single relationship overseeing both your plan and your portfolio. Wealth Management clients typically have $1 million or more in investable assets.

Annual Fee

Asset-Based Fee

Billed quarterly

This is a single advisory fee that covers financial planning and investment management, and it’s based on a percentage of the assets we manage. Read about our investment approach.

04 · Planning Only

Ongoing Planning

A continuing, flat-fee relationship with a fiduciary who keeps your whole plan current, including taxes, income, benefits, and strategy, while you retain full control of your accounts. Whether you’re still building toward retirement or already living in it, we focus on the topics most relevant to your situation and your most pressing concerns, and that focus shifts with you over time.

What We Can Cover

  • Retirement projections and progress tracking
  • Retirement, HSA, and taxable savings strategy
  • Equity compensation and benefits decisions
  • Roth conversion and tax bracket planning
  • Annual tax return review
  • Asset allocation guidance and fee review
  • Charitable giving and gifting strategies
  • Insurance, beneficiary, and estate review
  • Spending plan and cash flow coordination
  • Retirement income, withdrawals, and RMDs
  • Social Security, Medicare, and IRMAA planning
  • Regular strategy sessions and direct access

Who It’s For

You want a dedicated planning partner but prefer to manage your own investments.

Annual Fee

From $7,500

Per year, flat fee

Agreed in advance based on the complexity of your situation and billed monthly or quarterly. We never charge a percentage of your assets for this service.

Getting Started

Complete clarity before any commitment.

Before you make any decision, you’ll know exactly how we can help, what the work involves, and what it costs.

01

An Introductory Call

A conversation to get to know each other and understand what’s on your mind.

  • What prompted you to seek guidance
  • Your current situation, concerns, and goals
  • How we approach planning and what working together looks like
  • Whether there’s a good fit, and which service suits you best

02

Your Personalized Proposal

If there’s a fit, we’ll prepare a proposal outlining how we’d address your specific concerns, the strategies we’d consider, the scope of services that fits your situation, and a clear fee. You’ll have everything you need to make an informed decision, with no obligation.

03

We Get to Work

If you decide to move forward, we’ll gather the information we need and begin, whether that means completing your assessment, guiding your transition, building your ongoing plan, or constructing your portfolio.

Get in Touch

Ready to Get Started?

Share a little about your situation and we’ll reach out to schedule your introductory call.

Your information is kept confidential and used only to respond to your inquiry.

Fees described on this page are general in nature. Your specific fee is confirmed in your written advisory agreement.