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Choosing the right service comes down to the level of coordination and ongoing support you’re looking for. The options below are designed to meet different needs—from investment management to fully integrated retirement income coordination.


Service Option Investment Management Planning Support Price Best for
Ongoing Advisory (Retainer)
✓
✓
 $7,500+ (tiered based on complexity) For households seeking ongoing coordination of income, investments, and taxes—so decisions work together over time and support confident, sustainable spending.
Investment Management (AUM-Only)
✓

1.00% on the first $1M, lower rates above For households seeking professional portfolio oversight without broader coordination across spending, income, investments, and taxes


Transparent Fee Schedule
Services are delivered through a single ongoing advisory relationship, with fees that adjust based on complexity and responsibility. The approach and meeting cadence remain consistent across clients.


Ongoing Advisory
Who it’s for

Households seeking coordinated retirement income decisions across spending, income, investments, and tax strategy.

Annual Fee

Fees begin at $7,500 annually and increase based on asset level and overall complexity.

What you get

Ongoing coordination of spending, income architecture, investment alignment, and tax sequencing—supported by proactive planning, annual tax projections, and review of your completed tax return to ensure alignment with broader decisions.

General guidelines
  • Households under approximately $2 million in investable assets are typically at or near the starting fee
  • Fees increase as asset levels and coordination needs become more complex
  • Additional complexity is addressed transparently and discussed in advance

The scope of service remains consistent across all clients, with adjustments made for complexity, asset structure, and decision needs over time.


Investment Management
Who it’s for

Households with approximately $500,000 or more in investable assets seeking professional portfolio management.

Annual Fee

1.00% on the first $1 million, with lower rates applied to higher asset tiers.

Billing

Fees are calculated and deducted quarterly from managed accounts.

What you get
Discretionary investment management and portfolio oversight, including:

  • Portfolio construction based on your investment objectives and risk profile
  • Ongoing monitoring, rebalancing, and implementation
  • Periodic portfolio review and adjustments
  • Access to account reporting and performance updates

This service is limited to investment management and does not include retirement income planning, tax strategy, or broader financial coordination.


Frequently Asked Questions
What is Foundational Planning Engagement, and why is it required?

The Foundational Planning Phase is a focused onboarding period designed to establish your retirement income framework at the outset of the relationship.

During this phase, we define sustainable spending, design income architecture, align investment positioning, and evaluate tax sequencing—so key decisions are coordinated early, and progress is clear.

This work carries forward into the ongoing advisory relationship without duplication.

The Foundational Planning Phase is not included in the investment management–only service, which is limited to portfolio oversight.

How do fees work?

Fees depend on the type of relationship and the level of complexity involved.

Ongoing Advisory
Fees are structured as a single ongoing advisory relationship and adjust based on asset level and overall coordination complexity.
  • Annual fees typically begin at $7,500
  • Fees increase as asset levels and coordination needs become more involved
  • As a general guideline, fees increase incrementally (approximately $2,500 for each additional $2 million in investable assets)
  • Fees follow a consistent structure, including an initial Foundational Planning Phase and ongoing quarterly billing

The scope of service remains consistent across all clients, with adjustments made for complexity, asset structure, and decision needs over time.

Investment Management
Fees are based on assets under management and follow a tiered schedule.
  • 1.00% on the first $1 million
  • Lower rates apply to higher asset levels
  • Fees are calculated and deducted quarterly from managed accounts

This service is limited to portfolio management and does not include ongoing advisory coordination.

How does Ongoing Advisory differ from Investment Management?

Ongoing Advisory provides coordinated guidance across spending, income architecture, investment alignment, and tax sequencing—delivered through an ongoing relationship.

Investment Management is limited to portfolio oversight and is designed for clients who do not require broader coordination across income and taxes.

Who is a good fit for each service?

Ongoing Advisory Best for individuals or couples seeking coordinated guidance across spending, income, investments, and taxes, supported by an ongoing relationship.

Investment Management

Best for investors seeking professional portfolio management without ongoing income or tax coordination.

Do I have to redo onboarding when I move from the Foundational Planning Phase?
No. The work completed during the Foundational Planning Phase carries forward into the ongoing advisory relationship without duplication.



Summary

The Foundational Planning Phase establishes clarity around spending, income architecture, investment positioning, and tax sequencing.

Ongoing Advisory provides continuous coordination of these decisions as life, markets, and tax rules evolve.

Investment Management is available for clients seeking professional portfolio oversight without broader coordination across income and taxes.