The AUM service provides full, top-to-bottom discretionary investment management, ongoing monitoring, and clear coordination around withdrawals and RMDs. Your portfolio is designed, implemented, and maintained for you — so you can stay invested with confidence and clarity.

Strategy Launch → Plan → Ongoing Management

Your path from investment clarity to long-term alignment and support.

Designed for: Retirees and households who want a professionally managed investment strategy, continuous portfolio oversight, and reliable RMD and withdrawal coordination — without the need for ongoing financial or retirement planning.

Annual Fee: Investment management fees are charged as a percentage of assets under management and billed quarterly in arrears based on the market value of assets we manage through our custodian. Our fee schedule is tiered, with rates ranging from 0.75% on the first $1 million, adjusting at higher asset levels, and resulting in a blended effective rate that generally declines as assets increase.

Includes:

• Full discretionary investment management, including portfolio design, fund selection, trading, and rebalancing, aligned with your stated goals and risk preferences.
• Ongoing monitoring and tax-efficient portfolio structure, with proactive adjustments made throughout the year as markets or personal circumstances evolve.
• Coordinated RMD and withdrawal management, ensuring distributions are processed smoothly and sourced appropriately across accounts.

Two meetings in the first year:

• Strategy Launch: A review of your investment strategy before implementation.
• Annual Review: A comprehensive review of performance, allocation, risk alignment, withdrawals, and RMDs.

One meeting in subsequent years:

• Annual Review, with additional investment-only support available as needed throughout the year.

Ready to move from setup to steady, ongoing investment management?

This service option is best for clients who:

•  Prefer hands-off investment management
•  Already have a solid financial plan in place
• Want a lower-cost option focused on investments only
• Have at least $500,000 in investable assets

You want professional investment management—with costs tied to the assets we oversee. The AUM option delivers hands-on portfolio oversight, so your investments stay aligned with your goals as markets evolve. You’ll have:

• Professional portfolio management with disciplined rebalancing and risk oversight.

• Direct, ongoing access to your advisor for questions and opportunities as they arise.
  
  

The AUM (Assets Under Management) service is designed for individuals and households seeking professional investment management—with the flexibility and independence to manage other parts of their financial life on their own.

You’ll benefit from:

• Customized Investment Strategy tailored to your goals, time horizon, and risk tolerance

• Ongoing Portfolio Management with disciplined rebalancing and tax-aware trading

• Income Alignment so your portfolio supports your evolving withdrawal and cash flow needs

• Direct Advisor Access for investment-related questions and periodic check-ins

• Fee Transparency with a clear, tiered pricing structure and an annual cap

What’s not included:

• Comprehensive Retirement Income Planning

• Tax Preparation or Tax Projection Services

• Charitable Giving Strategy

• RMD and Withdrawal Planning Beyond Investment Needs

• Year-Round Planning Support Across Non-Investment Areas

The AUM service is best suited for those who want dedicated oversight of their investments—without the added planning or tax services provided in the Retainer and Hybrid options.