How You'll Get Started

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

The Starter-to-Steady Transition is where nearly all new clients begin. In just 90 days, you’ll not only gain clarity and confidence about your retirement strategy, but you’ll also see tangible results — a complete retirement income plan, portfolio alignment, and your first tax strategy already working for you. From there, we roll seamlessly into your chosen Retainer or Hybrid 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 Starter-to-Steady 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 Starter-to-Steady, you’ll move directly into either our:

• Retainer Service – Full-service planning, investment management, and tax preparation.

• Hybrid Service – Ongoing planning and investment management, with flexibility in asset-based costs.

The Starter-to-Steady Transition is included in your first-year fee:

• Retainer – $7,500 annually, with $2,000 due at onboarding and $5,500 billed quarterly from managed accounts after transfer to our custodian.

• Hybrid – $3,000–$5,000 annually, with $1,000 due at onboarding and the balance billed quarterly from managed accounts after transfer to our custodian.

What is the Starter-to-Steady Transition?
It’s a focused 90-day onboarding designed to give you immediate clarity and momentum in your retirement plan. You’ll leave this stage with your income plan in place, your portfolio aligned to your needs, and your first tax strategy implemented.

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 Starter-to-Steady?
We typically meet twice: a Discovery & Data session to understand your situation and a Plan Alignment & Implementation session to deliver and act on your plan. We also provide follow-up support to ensure a smooth transition.

Will this replace the need for ongoing planning?
No — Starter-to-Steady is the foundation. It flows directly into the ongoing Retainer or Hybrid service without repeating onboarding.

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

Book Your Starter-to-Steady Call