Ongoing planning + investment management

This service option is designed for clients who want ongoing guidance beyond just their portfolio. It combines investment management with personalized financial planning, including retirement income strategy, tax planning, and help navigating financial decisions throughout retirement.

How It Works

The hybrid service option combines personalized financial planning with investment management. You receive ongoing support across key areas like retirement income, tax strategy, and portfolio oversight. This approach gives you comprehensive guidance tailored to your needs, without tying all costs to the size of your investment portfolio. It’s designed for individuals who want clarity, structure, and ongoing access to advice as life evolves.

Who It’s For

This service option is best for clients who:

• Are seeking a long-term, collaborative planning relationship

• Want expert guidance on integrating tax strategy with retirement income planning

• Value a retirement plan that provides both structure and flexibility to adapt over time

About the Flat Fee in the Hybrid Option

The flat annual planning fee, ranging from $3,000 to $5,000, is based on the scope and complexity of your planning needs.

Factors that may influence where you fall within that range include:

• Number of income sources and retirement accounts

• Complexity of your withdrawal strategy

• Level of tax planning required (e.g., Roth conversions, bracket management)

• Whether you’re still working, transitioning to retirement, or fully retired

• Number of planning topics you’d like ongoing help with

We’ll discuss your needs during the initial consultation and confirm a fixed fee before moving forward—so you know exactly what to expect.

what's included