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Feature AUM Hybrid  Retainer
Investment Planning 
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Portfolio Monitoring & Rebalancing
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Retirement Income Planning
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Tax Planning
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Individual Tax Return Preparation
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Withdrawal Strategy Development
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Ongoing Plan Updates & Scenario Modeling
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Timing and Strategy for Social Security and Medicare
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Email & Phone Support
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Interactive Planning Portal
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Quarterly Newsletter
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Complimentary edition of, How to Generate Retirement Income
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Annual Meetings
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3 meetings in the first year, then 2 per year ongoing
5 meetings in the first year, then 2 per year ongoing
Price
0.75% AUM fee on the first $1M, with lower rates for higher asset tiers
$3,000–$5,000 plus a reduced 0.35% AUM fee
$8,500



Comparing Service Options: AUM, Hybrid, and Retainer
Each service option is designed to meet different needs depending on how much support you want, how you prefer to pay, and whether you need tax preparation included. All three include investment management—what differs is the scope of planning and how the fees are structured.

AUM  
This is a traditional assets-under-management (AUM) structure, where fees are based solely on the value of the portfolio we manage for you. Planning services are limited to investment strategy and portfolio oversight.

Why choose AUM?

  • You want professional investment management
  • You prefer to handle other aspects of planning and taxes on your own
  • You’re looking for a straightforward, portfolio-focused relationship


Hybrid  
You pay a flat annual planning fee, plus a reduced AUM fee on the assets we manage. This model offers more planning depth while keeping investment costs low.

Why choose hybrid?

  • You want help with retirement income, tax strategy, and other planning needs
  • You prefer a flexible fee structure that adjusts with your portfolio
  • You already have a CPA or prefer to manage your own tax filing


Retainer  
This is an all-inclusive, fixed-cost model. You pay one flat annual fee that covers everything—financial planning, investment management, tax planning, and tax preparation.

Why choose retainer?

  • You want a fully integrated financial relationship
  • You value simplicity and a single, predictable fee
  • You prefer one point of contact for planning, investments, and taxes


Summary
  • AUM is ideal if you just want investment management.
  • Hybrid is best if you want planning plus investment support, but already have tax prep covered.
  • Retainer is the most comprehensive—it’s all-in-one, for those who want everything handled under one roof.