You want the clarity of ongoing planning and the confidence of professional investment management—without all costs tied to the size of your portfolio. Our Hybrid option blends strategic oversight with year-round access to advice, so your plan stays in sync with your goals, no matter what 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.

All new Hybrid clients begin with our 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.

Your $3,000–$5,000 annual fee begins with a $1,000 initial installment at onboarding, with the remaining balance billed quarterly from your managed accounts after transfer to our custodian.

The Hybrid service combines ongoing financial planning with professional investment management. It’s a great fit for clients with higher asset levels who also want retirement income planning, tax strategy, and a long-term advisory relationship.

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.

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

• Have a trusted resource for tax preparation

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.