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 households seeking coordinated decision-making across spending, income, investments, and taxes, supported by a structured annual planning rhythm.
All clients begin with a Foundational Coordination Phase designed to establish priorities, identify opportunities and constraints, and create a foundation for our ongoing work together.
Following this phase, the relationship continues as an ongoing advisory engagement focused on coordinating spending, income, taxes, and investments as circumstances evolve over time. Through a recurring schedule of reviews and updates, decisions are revisited, progress is monitored, and adjustments are made as needed.
Why Ongoing Coordination Matters
The Foundational Coordination Phase establishes the initial structure for retirement.
The ongoing advisory relationship exists because retirement decisions continue to evolve over time.
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.
The specific decisions change as retirement unfolds. The need for coordination does not.
Our role is to help ensure spending, income, taxes, and investments continue to work together as circumstances, opportunities, and constraints evolve over time.
Annual Advisory Fee & Implementation Options
Fees are based on overall complexity and asset level.
- Typical starting fee: $7,500 annually
- Fees generally increase as asset size and coordination complexity increase
- As a general guideline, fees often increase by approximately $2,500 for each additional $2 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.
Investment guidance and portfolio coordination are integrated into the ongoing advisory relationship and are provided in support of spending, income, and tax decisions. Depending on client preference, investment recommendations may be implemented through advisor-managed accounts or 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.
Next Step
Ready to explore whether the ongoing advisory relationship is a good fit for your situation?
Discuss Your Retirement Coordination Approach
Who It’s For
This service is ideal for individuals or couples who:
- Want an ongoing relationship focused on retirement decision-making rather than one-time recommendations
- Value coordination across spending, income, investments, and taxes
- Prefer a structured planning process supported by a clear annual rhythm of reviews and updates
- Are retired or approaching retirement and want ongoing guidance as circumstances, priorities, and opportunities evolve
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 influences income needs. Income decisions affect taxes. Tax choices shape future flexibility. The investment structure supports how income is delivered over time.
This service works because it treats retirement as a coordinated system rather than a collection of separate decisions. Instead of focusing on isolated tactics, we coordinate spending, income, taxes, and investments so each decision can be evaluated within the context of the broader retirement structure.
The result is an approach that is:
- Grounded in how you actually spend and live
- Structured to adapt as markets, tax laws, and life circumstances evolve
- Focused on managing trade-offs and reducing the likelihood of unintended consequences
By revisiting these decisions through a structured annual planning rhythm, important choices can be evaluated with greater context, consistency, and continuity over time.
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 by aligning spending, income, taxes, and investments as retirement unfolds.
We begin with a Foundational Coordination Phase to develop a clear understanding of your current retirement structure, identify planning priorities, and lay the foundation for our ongoing work together. From there, decisions are revisited, monitored, and adjusted through a structured annual planning rhythm as circumstances evolve over time.
Select a section below to learn more about the ongoing advisory 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 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 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 to ensure alignment with broader decisions
- Coordinate with whoever prepares your tax return to ensure tax filing remains aligned with your overall approach
Coordinating retirement income decisions over time.
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 a framework for our ongoing work together. The phase concludes with a Foundational Coordination Summary Meeting and a transition into the ongoing annual planning rhythm.
Take the first step toward a more coordinated approach to retirement.