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Choosing the right service comes down to the type of relationship and level of coordination you're seeking. The options below are designed to meet different needs—from investment management to ongoing retirement income coordination across spending, income, taxes, and investments.


Service Option Investment Management Planning Support Price Best for
Ongoing Advisory
✓
✓
 $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)
✓

1.00% on the first $1M, lower rates above For households seeking professional portfolio management and oversight without ongoing retirement income coordination


Transparent Fee Schedule
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.


Ongoing Advisory
Who it’s for

Households seeking ongoing coordination across spending, income, investments, and taxes throughout retirement.

Annual Fee

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

What you get

A Foundational Coordination Phase followed by an ongoing advisory relationship focused on coordinating spending, income, investments, and taxes over time. The service includes a structured annual planning rhythm, annual tax projections, review of completed tax returns, withdrawal planning, charitable planning, and ongoing guidance as circumstances evolve.

General guidelines

  •  Households with up to approximately $2 million in investable assets are typically at or near the starting fee
  •  Fees generally increase as asset levels, asset structures, 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 fee differences reflecting variations in complexity, asset structure, and ongoing coordination requirements


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 the Foundational Coordination Phase, and why is it required?

The Foundational Coordination Phase is a focused 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 phase concludes with a Foundational Coordination Summary Meeting, where we review key observations, establish priorities, and create a framework for our ongoing advisory relationship.

This work carries forward into the ongoing relationship and provides the context for future planning discussions 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 vary based on asset level and overall coordination complexity.
  • Annual fees typically begin at $7,500
  • Fees generally increase as asset levels, asset structures, and coordination needs become more complex
  • As a general guideline, fees often increase by approximately $2,500 for each additional $2 million in investable assets
  • The engagement begins with a Foundational Coordination Phase, followed by ongoing quarterly billing
  • The scope of service remains consistent across clients, with fee differences reflecting variations in complexity, asset structure, and ongoing coordination requirements

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.
  • 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 oversight and does not include retirement income coordination, tax planning, withdrawal planning, or the ongoing advisory relationship
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 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.


Service Overview

Foundational Coordination Phase

A focused onboarding process available exclusively to Ongoing Advisory clients. The Foundational Coordination Phase establishes priorities, identifies opportunities and constraints, and creates the foundation for the ongoing advisory relationship.


Ongoing Advisory

Provides ongoing coordination of spending, income, investments, and taxes as circumstances evolve over time. Investment recommendations may be implemented through advisor-managed accounts or client-directed implementation, depending on client preference.

Investment Management

Provides ongoing portfolio management, rebalancing, and investment oversight for clients seeking professionally managed accounts without the broader retirement coordination provided through the Ongoing Advisory relationship.