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.
No AUM fees
Fee not tied to account size
No commissions
No product sales
No account minimums
No hidden fees or kickbacks
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
What we advise on
Ongoing, across five areas
Estate & giving
Documents and beneficiaries, trusts, charitable strategies, family gifting, education funding
Investments
Consolidation, simplification, reallocation, asset location, concentrated positions, capital gains, RSUs, and stock options
Cash flow & transitions
Spending capacity, debt payoff strategies, mortgages, real estate purchases, encore careers, estimated tax payments
Health & insurance
Medicare and IRMAA planning, long-term care, life insurance, liability coverage review
How we work together
The initial plan
Three onboarding meetings to create the initial retirement spending plan, investments, and tax strategy
Biannual meetings
Spring and fall meetings to update the plan, monitor investments, refine withdrawals, and set the year’s tax actions
Always on call
We are available between meetings when something unexpected comes up or to work on a project
Ready to get going?
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.