Option 1
Retirement Transition Package
Best For: Families seeking advice specifically around navigating the retirement transition. They might want to partner under full-service wealth management, but aren’t ready to commit. They prefer starting with financial planning only to get a feel for how it might be to work together.
This is a bootcamp-style package focused on working through the key areas of your retirement transition. The goal is to complete this within 3 months, however, we leave the door open for follow-up questions in months 4 – 12.
Option 2
Full-Service
Wealth Management
Best For: Families who want integrated investment management combined with proactive financial planning that covers tax strategy, estate planning, and life transitions.
You get a trusted advisor who brings ideas and recommendations to you—staying ahead of tax opportunities, market changes, and planning needs so you can focus on what matters most in your life.
We serve as your financial quarterback, so rather than you coordinating between multiple professionals (e.g., CPA, attorney, etc) or remembering what needs attention, we handle the complexities and keep everyone aligned. This is for families who want to be involved in decisions but prefer having someone who knows your complete financial picture and proactively manages the ongoing coordination for you.
Option 1
Retirement Transition Package
Meeting Structure:
Meeting 1
Fact Review & Assumptions Validation
Meeting 2
Opportunity & Risk Analysis
Meeting 3
Portfolio Optimization
What You Receive:
- Collaborative plan design
- Stress test multiple scenarios to develop confidence in overall plan
- Plan for big ticket purchases and planned life transitions
- Test plan through historical events (e.g., Great Depression, Dot Com Bubble, GFC, etc.)
- Establish safe withdrawal rate strategy
- Tax Strategy
- Social Security analysis
- Global Asset Allocation
- Discuss research and point towards reasonable investment strategies.
- General investment education.
- Account Opening and Transfers to Charles Schwab without charging a management fee
NOTE – Will not recommend specific ETFs, assist with tax-loss harvesting, or give specific recommendations on which assets to sell to reallocate a different strategy as this rises to a different level of service. Regarding selling assets – will help from a tax planning perspective (i.e., Sell ABC and XYZ ETF to get to a tax gain of $X)
Year 1 Investment:
Time:
- From start to completion is 3 months with 3 meetings
- You have the option to reach out for questions anytime between month 3 and 12 for questions about the plan we developed at no additional cost
- Note – Months 3-12 are subject to “black out” periods (i.e., December, March, April, and July)
Money:
- Investment: $3,800 total
- Payment Terms: $1,900 due at engagement, $1,900 due upon completion (approx. month 3)
- Duration: 3 meetings over 3 months, focused exclusively on retirement transition planning
- In Year 2+ we will touch base as needed with the option to create a routine maintenance plan
Upgrade Pathway
Seamless Transition: Clients who begin with the Retirement Transition Package can upgrade to Full-Service Wealth Management within the first 6 months. The entire $3,800 investment will be credited back to you over the first 6 months of wealth management fees, ensuring no double payment for services.
Option 2
Full-Service Wealth Management
Fee Structure: Assets Under Management (AUM) Fee (paid monthly, in arrears)
• 1.00% annually on the first $1,000,000
• 0.75% annually on the next $2,000,000 ($1M – $3M)
• 0.50% annually on balances over $3,000,000
What if you change your mind? If during the first three months of service you decide you’re no longer interested in a full-service partnership, we will refund any fees paid and part ways as friends. If at any point in the future you’re no longer interested, we will remove our investment authority from the account, and no further fees will be charged.
Investment Process: Learn more by clicking here.
Year 1
Comprehensive Planning Includes:
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Complete retirement transition planning and optimization
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Year-end tax planning and strategy implementation – includes coordination with CPA/EA
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Estate document review and setup – includes coordination with estate attorney
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Property and casualty insurance review – includes coordination with insurance agent
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Unlimited money related questions – email, text, phone, virtual, or in-person meetings
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Ongoing investment management and monitoring
Year 2 and Beyond
Ongoing Maintenance:
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Annual retirement guardrails review and adjustments
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Year-end tax planning and optimization
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Regular estate plan reviews for accuracy and changes
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Continuous portfolio management, rebalancing, and money movements
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Proactive strategy adjustments based on life changes
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Semi-annual meetings to cover key areas with optional touchpoints in between
Detailed List of Services:
- Coordination of life and financial plan (i.e., retirement roadmap)
- Tax Efficiency
- Roth Conversions vs Additional IRA Distributions vs Harvesting Capital Gains
- Medicare tax brackets
- General year-end tax planning
- Cash Flow Planning
- What’s possible?
- What if the portfolio drops by $X? or rises by $Y?
- How will you fund travel and gifting plans
- What is your plan for covering end of life expenses?
- Should you consider an annuity?
- What’s possible?
- Asset Protection
- Review, summarize, and discuss current estate plan.
- Coordinate estate plan updates with attorney, if applicable.
- Is everything titled correctly?
- Are beneficiary designations, correct?
- Review, summarize, and discuss current estate plan.
- Miscellaneous money questions as they arise with no “black-out” periods
- Assistance with tax preparation (i.e., 1099 letter summarizing accounts and taxable actions)
- Review tax return for accuracy of portfolio decisions prior to filing
- Implement money movements and custodian maintenance at Charles Schwab.
- Monthly reitrement paycheck, lump sum distributions, gifts, etc.
- Maintain “charitable IRA” when 70 1/2 for charitable giving, if applicable.
- Investment Management
- Implementation of Global Asset Allocation or GAA+
- On-going portfolio monitoring such as:
- Tax-loss harvesting
- ETF substitution
- Trend following trading, if appropriate
Your Investment:
- To be quantified before commitment