Ongoing guidance to support confident retirement decisions over time
Our ongoing advisory relationship is designed for recently retired households who want spending, income, taxes, and investments coordinated as retirement unfolds.
Retirement isn’t static. Spending evolves, markets shift, tax rules change, and decisions made in one area can affect another. Through recurring reviews, analysis, recommendations, and implementation support, we help keep these decisions coordinated as circumstances change.
Why ongoing coordination matters
Early retirement may focus on spending needs, withdrawal decisions, and Social Security timing.
Later years may involve Roth conversion opportunities, Medicare-related tax thresholds, charitable giving strategies, required minimum distributions, changes in spending patterns, and survivor planning.
These decisions are interconnected. Spending influences income needs, income decisions affect taxes, tax consequences influence withdrawal choices, and investments support the resulting income structure.
The ongoing advisory relationship provides a structure for reviewing these decisions together, evaluating tradeoffs, and making adjustments as circumstances change.
Who It’s For
This service is ideal for individuals or couples who:
- Are retired or approaching retirement and face ongoing decisions about how their resources will support spending
- Want spending, income, taxes, and investments evaluated together rather than independently
- Prefer a structured schedule of reviews, analysis, and recommendations throughout the year
- Want investment decisions coordinated with retirement income and tax considerations
- Prefer an ongoing advisory relationship rather than one-time recommendations
What’s Included in the Ongoing Advisory Relationship
The ongoing advisory relationship brings this coordinated approach into practice by aligning spending, income, taxes, and investments as retirement unfolds.
Select a section below to learn more about the ongoing advisory relationship.
- Continuous monitoring to keep spending, income, investment, and tax decisions aligned
- Review changes in spending, income, taxes, investments, and household circumstances throughout the year
- Revisit prior recommendations and evaluate whether adjustments are warranted as circumstances change
- Identify decisions requiring attention and provide recommendations before relevant planning and year-end deadlines
- Coordinate decisions across spending, income, taxes, and investments so actions in one area are considered in relation to the others
- Review current income sources to identify risks, trade-offs, and opportunities
- Establish spending guardrails based on available retirement resources and household 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 spending needs and income structure
- Review portfolio construction, allocation, and rebalancing needs
- Coordinate investment decisions with withdrawal and tax planning
- Implement recommendations through either advisor-managed accounts or client-directed implementation, depending on client preference
Some clients prefer to delegate investment implementation, while others prefer to manage their own accounts. Both approaches can be accommodated within the ongoing advisory relationship. In either arrangement, investment decisions remain coordinated with spending, income, and tax considerations.
- Coordinate withdrawals and Roth conversion decisions within a multi-year tax framework
- Provide annual tax projections and bracket management guidance
- Review completed tax returns for information that may affect current and future retirement decisions
- Coordinate relevant planning decisions with the client’s tax preparer when appropriate
Coordinating retirement income decisions over time.
Annual Advisory Fees & Implementation Options
Annual advisory fees reflect the complexity and level of ongoing advisory work required, with invested assets serving as one indicator of that complexity.
- Typical annual fee begins at $7,500.
- Fees generally increase as retirement coordination complexity and invested assets increase.
- As a general guideline, annual fees often increase by approximately $1,250 for each additional $1 million in investable assets.
The scope of service remains consistent across all clients. Fee differences primarily reflect variations in asset structure, planning complexity, and the level of ongoing coordination required rather than differences in the services provided.
Investment guidance and portfolio coordination are integrated into the ongoing advisory relationship and support spending, income, tax, and investment decisions. Depending on client preference, investment recommendations may be implemented through advisor-managed accounts or through client-directed implementation.
For clients who choose advisor-managed implementation, portfolio management is included within the annual advisory fee and is not subject to a separate asset-based management fee.
How You’ll Get Started
All new clients begin with the Foundational Coordination Phase—a focused 60–90-day onboarding process that helps establish priorities, identify the decisions that matter most, and create the initial direction for our ongoing work together.
Following completion of the Foundational Coordination Phase, the relationship transitions directly into the ongoing annual planning rhythm.