Ongoing guidance to support confident retirement decisions over time
Our ongoing advisory relationship is designed for recently retired households who want a long-term partner to coordinate spending, income architecture, investment alignment, and tax sequencing as retirement unfolds.
Retirement isn’t static. Spending evolves, markets shift, and tax rules change. Our work supports ongoing decision-making by keeping these elements aligned over time — so confidence is sustained as circumstances evolve.
Clear, Ongoing Support — A Single Fee, Aligned with Complexity
Designed for retirees and households seeking integrated coordination across spending, income architecture, investment alignment, and tax sequencing — supported by a defined, seasonal review rhythm.
Annual Fee (Tiered by Asset Size & Complexity)
- $7,500 / year — Core Retainer
Typically appropriate for households with up to approximately $2M in investable assets.
- $10,000+ / year — Enhanced Retainer
Typically appropriate for households above $2M, where coordination needs and asset structure are more involved. Fees increase incrementally as complexity and asset size grow.
As a general guideline, fees increase by approximately $2,500 for each additional $2 million in investable assets. The core scope of service remains consistent, with any added complexity addressed transparently and discussed in advance.
Investment management is part of the ongoing relationship and is implemented to support income and tax decisions—not in isolation.
What’s Included
- A Foundational Planning Phase in the first 60–90 days to establish the initial coordination framework
- A defined annual rhythm of ongoing reviews: Spring Planning, Fall Strategy Review, and Annual Tax & Income Alignment Review
- Ongoing coordination of spending, income architecture, investment alignment, and tax sequencing
- Withdrawal strategy, RMD planning, charitable giving, and multi-year tax positioning
- Annual tax projection and review of completed returns to ensure alignment with broader decisions
- Ongoing access for updates, questions, and continued guidance as circumstances evolve
Next Step
Ready to explore which service level aligns with your situation?
Discuss Your Retirement Coordination Approach
Who It’s For
This service is ideal for individuals or couples who:
- Want a single, trusted point of contact for their financial life
- Value a coordinated approach across spending, income, investments, and taxes
- Prefer clarity and simplicity through a single, transparent annual fee
- Are in or near retirement and want steady, proactive guidance as life evolves
If this resonates, we can explore whether this approach is a good fit.
Explore Whether This Approach Fits
Retirement planning is most effective when spending, income, investments, and taxes are reviewed together — not in isolation.
Why This Service Works for You
Retirement decisions are interconnected. Spending drives income needs. Income choices affect taxes. Tax decisions influence investment outcomes. And investment structure shapes how confidently you can spend.
This service works because it treats retirement as a coordinated system — not a collection of separate decisions. Rather than focusing on isolated tactics, we align spending, income architecture, tax sequencing, and investment positioning so each supports the others over time.
The result is a retirement approach that is:
- Grounded in how you actually spend and live
- Structured to adapt as markets, tax rules, and life circumstances evolve
- Focused on reducing long-term surprises — not chasing short-term outcomes
By revisiting these decisions together on an ongoing basis, you gain clarity, consistency, and confidence — without having to constantly rethink or second-guess decisions.
Explore a Coordinated Approach to Retirement
All new clients begin with the Foundational Planning Phase, which transitions directly into the ongoing advisory relationship.
What’s Included in the Ongoing Advisory Relationship
The ongoing advisory relationship brings this coordinated approach into practice — aligning spending, income architecture, investment positioning, and tax sequencing as retirement unfolds.
We begin with a personalized analysis to establish your retirement income framework based on your goals and spending needs. From there, we align investments and tax decisions to support reliable income, manage risk, and adapt as life evolves.
Select a section below to see what’s included in the ongoing relationship.
- Ongoing access for retirement income, investment, and tax coordination
- Continuous monitoring to keep spending, income, investment, and tax decisions aligned
- A defined annual rhythm: Spring Planning, Fall Strategy Review, and Annual Tax & Income Alignment Review — with additional check-ins as needed
- Review current income sources to identify risks, trade-offs, and opportunities
- Establish sustainable spending guardrails aligned with your priorities
- Coordinate withdrawals and account distributions to support reliable income over time
- Apply spending guardrails with periodic adjustments as markets and life evolve
- Revisit income decisions to reflect real-world spending patterns and priorities
- Coordinate income, investment, and tax adjustments to support long-term sustainability
- Align investment positioning with your income architecture and spending strategy
- Oversee portfolio construction, rebalancing, and tax-aware implementation
- Provide ongoing access to your accounts, reporting, and coordination updates through your client portal
- Coordinate withdrawals and Roth conversion decisions within a multi-year tax framework
- Provide annual tax projections and bracket management guidance
- Review completed tax returns to ensure alignment with broader decisions
- Coordinate with your CPA to integrate tax filing with your overall approach
Coordinating retirement income decisions over time.
How You’ll Get Started
All new clients begin with the Foundational Planning Phase — a focused 60–90 day onboarding process where we establish your retirement income framework, align key decisions, and prepare you for the ongoing advisory relationship.
Take the first step toward a more coordinated approach to retirement.