| Service Option | Investment Management | Planning Support | Price | Best for |
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| Ongoing Advisory |
✓
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✓
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$7,500+annually (based on complexity) | For households seeking ongoing coordination of spending, income, investments, and taxes through a structured advisory relationship. |
| Investment Management (AUM-Only) |
✓
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1.00% on the first $1M, lower rates above | For households seeking professional portfolio management and oversight without ongoing retirement income coordination |
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Transparent Fee Schedule
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| Services are delivered through a single ongoing advisory relationship, with fees that adjust based on complexity and asset level. While fees vary, the core service model, annual planning rhythm, and ongoing coordination process remain consistent across clients. |
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Ongoing Advisory
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Who It's For Households seeking ongoing coordination of spending, income, taxes, and investments throughout retirement. Annual Fee Typical annual fees begin at $7,500 and increase based on the complexity of your retirement coordination needs, with invested assets serving as one indicator of that complexity. What You Get A Foundational Coordination Phase followed by an ongoing advisory relationship focused on coordinating spending, income, taxes, and investments over time. The service includes a structured annual planning rhythm, annual tax projections, review of completed tax returns, withdrawal planning, charitable planning, investment guidance, and ongoing coordination as circumstances evolve. General Guidelines
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Investment Management
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| Who it’s for
Households with approximately $500,000 or more in investable assets seeking professional portfolio management. Annual Fee1.00% on the first $1 million, with lower rates applied to higher asset tiers. BillingFees are calculated and deducted quarterly from managed accounts. What you getDiscretionary investment management and portfolio oversight, including:
This service is limited to investment management and does not include retirement income planning, tax strategy, or broader financial coordination. |
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Frequently Asked Questions
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| What is the Foundational Coordination Phase, and why is it required?
The Foundational Coordination Phase is a structured onboarding process that establishes the foundation for our ongoing work together. During this phase, we gather information, review documents, clarify priorities and decision preferences, analyze your current spending, income, tax, and investment structure, and identify the opportunities, constraints, and planning priorities most relevant to your situation. The Foundational Coordination Summary Meeting brings this work together by reviewing key observations, establishing priorities, and setting the direction for the ongoing advisory relationship. When investment recommendations are part of that direction, we translate them into account-specific guidance and review them separately during the Investment Guide Review. This work carries forward into the ongoing relationship and provides the context for future planning discussions, implementation, and decisions. The Foundational Coordination Phase is not included in the investment management-only service, which is limited to portfolio management and 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 are determined by the complexity of your retirement coordination needs, with invested assets serving as one indicator of that complexity.
Investment Management Investment management fees are based on assets under management and reflect a service focused on portfolio management and oversight rather than ongoing retirement income 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 don't need broader coordination across spending, income, and taxes. Who is a good fit for each service? Ongoing Advisory provides ongoing coordination across spending, income, investments, and taxes through a structured advisory relationship designed to support retirement decision-making over time. Investment Management is limited to portfolio management and oversight and is intended for clients who do not require ongoing coordination of spending, income, tax, and withdrawal decisions. Do I have to redo onboarding when I move from the Foundational Planning Phase? No. The Foundational Coordination Phase is designed to establish the foundation for the ongoing advisory relationship. The work completed during onboarding carries forward into future planning discussions and ongoing coordination, so there is no need to repeat the process. |
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Service Overview
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Foundational Coordination Phase A structured onboarding process exclusively for Ongoing Advisory clients. The Foundational Coordination Phase develops an understanding of your current retirement structure, establishes priorities, identifies opportunities and constraints, and sets the direction for the ongoing advisory relationship. Ongoing Advisory Provides ongoing review, analysis, and coordination of spending, income, taxes, and investments as circumstances and decisions evolve over time. Investment recommendations are translated into account-specific guidance and may be implemented through advisor-managed accounts or by the client, depending on client preference. Investment Management Provides ongoing portfolio management, rebalancing, and investment oversight for clients seeking professionally managed accounts without the broader retirement income coordination provided through the Ongoing Advisory relationship. |