The primary difference between our two ongoing services is the scope of the relationship.
Ongoing Advisory is designed for households that want retirement decisions coordinated across spending, income, taxes, and investments over time.
Investment Management is designed for households that want professional portfolio management while handling retirement income, spending, tax, and other financial decisions independently.
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Ongoing Advisory | Investment Management |
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| Primary Purpose | Ongoing retirement coordination | Professional portfolio management |
| Spending & retirement income planning |
Included
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Not included
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| Tax planning & sequencing
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Included
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Not included
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| Social Security / Medicare considerations | Included | Not included |
| Withdrawal sequencing / RMD coordination | Included | Not included |
| Investment recommendations | Included | Included |
| Advisor-managed implementation | Available | Included |
| Annual planning rhythm | Included | Not included |
| Starting fee | $7,500 annually | 1.00% on first $1 million, declining at higher tiers |
| Typical minimum | Based on fit and complexity | Approximately $500,000 investable assets |
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Ongoing Advisory
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Designed for households that want retirement decisions coordinated over time. The relationship begins with the Foundational Coordination Phase, then continues through a structured annual planning rhythm focused on spending, retirement income, tax planning, and investments. Investment recommendations are included and may be implemented through advisor-managed accounts or by the client, depending on preference. Typical annual fees begin at $7,500 and may increase as the amount and complexity of retirement resources increase. Learn More About Ongoing Advisory |
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Investment Management
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Designed for households that want professional portfolio management while handling retirement income, spending, tax, and other financial decisions independently. The service includes discretionary portfolio management, implementation, monitoring, and rebalancing within the accounts we manage. It does not include retirement income planning, withdrawal sequencing, RMD coordination, Roth conversion analysis, Medicare/IRMAA planning, or broader tax planning. Fees begin at 1.00% on the first $1 million of managed assets, with lower rates applied at higher asset levels. |
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Frequently Asked Questions
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What is the Foundational Coordination Phase? The Foundational Coordination Phase is the 60–90-day onboarding process for Ongoing Advisory clients. During this phase, we gather and review your financial information, evaluate how your retirement resources are currently structured, identify the decisions that require attention first, and establish the initial direction for spending, income, taxes, and investments. The phase also includes development and review of an Investment Guide when investment recommendations are part of the relationship. The Foundational Coordination Phase is not part of the Investment Management service. Can I choose Ongoing Advisory without having you manage my investments? Yes. Ongoing Advisory includes investment planning, but you may either delegate implementation to us or manage your own accounts using the recommendations we provide. The broader retirement coordination relationship remains the same in either arrangement Can I move from Investment Management to Ongoing Advisory later? Yes. If your needs change and you want broader retirement coordination, the relationship can transition to Ongoing Advisory. Because Ongoing Advisory begins with the Foundational Coordination Phase, we would first complete that process to understand your spending, income, tax, and investment structure and establish the direction for the ongoing relationship. |
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Not Sure Which Relationship Fits? If you are unsure whether you need ongoing retirement coordination or investment management only, tell us a little about your situation. We can determine which service is more consistent with the type of help you are looking for. REQUEST AN INTRODUCTORY MEETING |