The Hybrid service blends continuous retirement income planning with professional investment management for a straightforward annual planning fee plus a low AUM fee. You’ll always know what’s included — and how the pieces fit together.

Starter-to-Steady Transition → Plan → Ongoing Guidance

Your path from early clarity to coordinated planning and investment support.

Designed for: Retirees and households seeking coordinated investment management and ongoing retirement income planning, all delivered through a structured, seasonal meeting rhythm.

Annual Fee

• Planning Fee: A flat $3,000–$5,000 per year, based on the complexity of your planning needs. A $1,000 initial installment is due at onboarding and applied toward your first-year fee, with the remaining balance billed quarterly.

• Investment Management Fee: A 0.35% AUM fee, billed quarterly on assets we manage through our custodian.

This structure combines transparent planning fees with a low, asset-based investment management fee, ensuring costs scale fairly with complexity and portfolio size.

Includes:

• Starter-to-Steady Transition during the first 60–90 days to deliver quick wins and establish your tax, income, and investment foundation.

• Four meetings during the first year (Discovery) and three meetings in subsequent years (Spring Surge, Fall Surge, and a pre-filing Tax Return Review).

• Tax-aware portfolio design and ongoing monitoring through your financial planning portal.

• Integrated withdrawal, RMD, and investment strategies aligned with your goals and spending needs.

• Support throughout the year for plan updates, questions, and strategy refinements as your situation evolves.

Ready to move from onboarding to a steady, ongoing planning rhythm?

This service is ideal for individuals or couples 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
• Have a trusted resource for tax preparation

If this sounds like you, let’s explore whether the Hybrid approach is a good fit.

See If This Service Fits You

You want the clarity of ongoing planning and the confidence of professional investment management—without all costs tied to the size of your portfolio. The Hybrid service combines strategic oversight with year-round access to expert advice, ensuring your plan remains aligned with your goals, regardless of any changes. You'll have:

• Ongoing plan updates that adapt to market shifts, tax law changes, and new priorities.

• Integrated investment and tax strategies to preserve wealth and maximize income.

• Personalized retirement income planning with spending guardrails you can trust.

• Direct advisor access when decisions or opportunities arise between reviews.

💡 We’ll start with the Starter-to-Steady Transition — your 90-day process for building a strong foundation before moving into ongoing service.

Schedule a Quick Intro Call

The Hybrid service provides a coordinated approach to managing your retirement income, investments, and tax strategy — excluding tax return preparation — so everything works together seamlessly. 

We begin with a personalized analysis that builds a retirement income plan tailored to your goals and spending needs. From there, we integrate strategic investment design and proactive tax planning to create a steady, reliable income that supports your lifestyle, protects against risk, and evolves as life changes.

Click any topic below to see what’s included in your ongoing service:

All new Hybrid clients begin with the Starter-to-Steady Transition — a focused, 90-day onboarding process where we deliver your retirement income plan, align your portfolio with your income needs, and implement your first tax strategy.