Services and fees
Flat-fee, fee-only planning and investment management for people in or nearing retirement.
What we do
Tax-efficient planning and investment management, built around deeper questions of why and for what purpose. Financial planning is a process, not a product.
Flat fee, not a % of AUM
We charge a flat annual fee based on complexity and services you need, not the size of your accounts.
Fee-only fiduciary
We’re only paid by our clients, not by commissions or kickbacks. We always act in your best interest.
Planning beyond the portfolio
Your investments serve your goals, so we coordinate them with your taxes, cash flow, insurance, gifting, and estate plans.
Who it’s for
Age 55 or older, single or married
Investable assets of $1.5M-$15M
Retired or within a few years of it
Social Security and possibly a pension
Who it’s not
Not business owners or self-employed
Not a fit for nonresident aliens or clients with non-U.S. tax residency
No foreign accounts or real estate
No complex private investments
What it costs
For a couple
$15,000
per year, flat
For an individual
$12,000
per year, flat
Fees are subject to negotiation and may be higher for households with investable assets above $4 million or for more complex situations (e.g., business owners, highly structured legal estates, private or illiquid investments, multiple rental properties, or other complexities). We will quote you a fee amount after our initial consultation.
We typically deduct our fee directly from the investment accounts that we manage. This includes the ability to deduct a portion of our flat fee from pre-tax accounts, which typically provides meaningful savings for the client, as paying investment management fees does not constitute a taxable withdrawal.
Income & taxes
Lifetime tax minimization through withdrawal sequencing, Roth conversions, Social Security, pension, and annuity payouts
Investments
Consolidation, simplification, reallocation, asset location, concentrated positions, capital gains, RSUs, and stock options
Health & insurance
Medicare and IRMAA planning, long-term care funding strategies, life insurance, liability coverage review
Estate & giving
Documents and beneficiaries, trusts, charitable strategies, family gifting, education funding
Cash flow & transitions
Spending capacity, debt payoff strategies, mortgages, real estate purchases, encore careers, estimated tax payments
Not sure where to start?
Most first conversations begin with whatever is on your mind today.
What we advise on
Ongoing, across five areas
How we work together
Ready to get going?
Start with an intro callThe initial plan
Three onboarding meetings to create the initial retirement spending plan, investment allocation, and tax strategy
Biannual meetings
Spring and fall meetings to update the plan, monitor investments, refine withdrawals, and set the year’s tax actions
Here when you need us
Your financial life isn’t always steady. Between meetings, we’re available when something comes up, like a job change, a home sale, or an emergency. We also take on projects like an estate plan update or an insurance review.
Our investment approach
Straightforward, long-term, and built around low cost and tax efficiency.
Investment management is included in the flat fee.
Limited planning engagements
We take on a small number of one-time planning engagements each year, focused on a single decision rather than an ongoing relationship. These are limited in scope, do not include investment management, and are priced separately from the annual fee. If you have a specific question you'd like worked through, start with an intro call.