This service is designed for households seeking professional portfolio management without ongoing retirement income or tax planning.

Investment management is provided on a discretionary basis and focused on portfolio construction, monitoring, and rebalancing. Broader retirement income coordination and tax strategy are not included in this service.

Investment management fees are charged as a percentage of assets under management and billed quarterly based on the value of assets we manage through our custodian.

Our fee schedule is tiered, starting at 0.75% on the first $1 million and adjusting at higher asset levels. As assets increase, the blended effective rate generally declines.

Includes:

• Full discretionary investment management, including portfolio design, fund selection, trading, and rebalancing—aligned with your 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 it’s implemented.
• 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 see whether this investment management approach is the right fit?

This service is best suited for clients who:

• Households seeking professional portfolio management
• Investors who do not need ongoing retirement income planning
• Those comfortable managing withdrawal, tax, and spending decisions independently
• Typically have at least $500,000 in investable assets

This service works well for investors who want professional portfolio oversight without the complexity of broader planning. Portfolios are managed using a disciplined, long-term approach focused on diversification, risk management, and alignment with stated investment objectives.

By keeping the scope limited to investment management, this service provides clarity, efficiency, and accountability—without introducing additional planning layers.

The Investment Management service is designed for individuals and households seeking professional portfolio management—while remaining comfortable managing other aspects of their financial life independently.

This service provides disciplined, discretionary oversight of your investments, without ongoing retirement income planning or tax strategy.

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
• Portfolio alignment with stated income needs and liquidity preferences
• Direct advisor access for investment-related questions and periodic check-ins
• Transparent fees with a clear, tiered pricing structure and annual cap

What’s not included:

• Retirement income planning
• Withdrawal sequencing or RMD coordination
• Tax strategy or Medicare-related planning

This service is best suited for those who want dedicated oversight of their investments—without the broader retirement income and tax planning included in the Ongoing Retirement Planning Retainer.