How You'll Get Started

Your first 90 days toward long-term retirement success — with results you can see right away

For most new clients, this is where the work begins. Over the first 90 days, you’ll gain clarity and confidence about your retirement strategy—and see tangible results along the way: a complete retirement income plan, aligned investments, and your first tax strategy already working for you. From there, the work continues seamlessly through your chosen Retainer service

Phase 1: Discovery & Data Gathering

We start by getting to know your goals, current financial picture, and retirement priorities. Value you’ll see right away: A clearer understanding of where you stand today and the key decisions that will shape your retirement path.

Phase 2: Plan Creation & Alignment

• Create your personalized retirement income plan to meet core and discretionary needs.
• Align your portfolio with your income and risk requirements.
• Implement your first tax strategy — such as tax-efficient withdrawal sequencing or Roth conversions. Value you’ll see right away: A concrete, customized plan that shows exactly how your income, investments, and taxes will work together to support your lifestyle.

Phase 3: Implementation & Transition

We put your plan into action and set you up for proactive monitoring, regular reviews, and year-round access.
Value you’ll see right away: Your plan is no longer theoretical — it’s in motion, with your accounts, investments, and strategies actively working toward your goals.

• No starting over – Your Foundational Planning Engagement work flows directly into ongoing planning.

• Immediate value – Tangible results in the first 90 days.

• Built for your next chapter – By the end, your plan and portfolio fully support your chosen service.

After the Foundational Planning Engagement, most clients continue into our Ongoing Retirement Planning Retainer. This provides ongoing guidance, investment oversight, and coordinated decision-making as your life, goals, and circumstances evolve.

The scope and pricing of the retainer reflect the level of complexity involved, including asset size and coordination needs, while the planning approach and service cadence remain consistent.

The Foundational Planning Engagement is included in your first year of ongoing service.

After completing the Foundational Planning Engagement, most clients continue into our Ongoing Retirement Planning Retainer. The annual fee reflects the level of complexity involved, with investable assets serving as the primary guide.

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Ongoing Retirement Planning Retainer

(Investment oversight included)

Core Retainer

$7,500 annually

Typically appropriate for households with investable assets up to ~$2 million.

• $1,875 due at onboarding

• Remaining $5,625 billed quarterly ($1,875 each)

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Enhanced / Complexity Retainer

$10,000 annually

Typically appropriate for households with $2M+ in investable assets, or those with increased planning and coordination complexity.

• $2,500 due at onboarding

• Remaining $7,500 billed quarterly ($2,500 each)

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Additional Complexity

For households with greater asset levels or coordination needs, the retainer increases by $2,500 for each additional ~$2 million in complexity.

Specific pricing is discussed during the planning process to ensure alignment and transparency.

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While investable assets are the primary driver of retainer tiers, complexity may also reflect factors such as account structure, income coordination, or planning scope. The service approach and meeting cadence remain consistent across tiers.

What is the Foundational Planning Engagement?
A 90-day focused planning engagement designed to help you understand where you stand, clarify priorities, and make informed decisions as you approach or enter retirement.

What will I walk away with after 90 days?
You’ll have a retirement income plan tailored to your lifestyle, an investment approach matched to your goals and comfort with risk, and an actionable tax strategy you can start using immediately.

How many meetings will we have during Foundational Planning Engagement?
We start with a Discovery meeting to understand your situation, followed by planning and support that leads into your Spring Planning or Fall Check-In meeting—depending on when you begin.

Will this replace the need for ongoing planning?
No — Foundational Planning Engagement is the foundation. It seamlessly integrates into the ongoing Retainer service, eliminating the need for a repeat onboarding process.

Is there a separate cost for Foundational Planning Engagement?
No — it’s included in your first-year fee for the ongoing service tier you choose.

Book Your Foundational Planning Engagement Call