Retire With Confidence & Clarity
Transparent, Conflict-Of-Interest-Free Pricing.
No Commissions. No Revenue Sharing.
One-time full financial plan costs vary with complexity and range from $4,500-$20,000; most fall under the Build or Retire packages described below.
There is NO separate financial planning fee for ongoing investment management clients. Our Assets Under Management (AUM) fee is all-in-one.
Build
$4,500
One-Time Financial Planning
3-Month Engagement
Best for working families (like mine!) looking for an expert to help them make the most of what they have to meet short and long-term goals.
Includes all the following:
- 3-5 step planning process
- Behavioral coaching
- 3-month unlimited access to a CFA and CFP
- Employer benefit review
- Investment analysis and basic recommendations
- Equity Compensation and deferred compensation review and integration
- College planning & 529 recommendations
- Goal planning (long-term care, college, vacations, retirement)
- Cash flow & debt management
- Estate planning review
- Insurance & risk review
- Tax planning
Retire
$6,200
One-Time Financial Planning
3-Month Engagement
There are no do-overs in retirement! The Retire package is best for those nearing or in retirement who want clarity and confidence around their retirement decisions.
Includes everything included with Build and:
- Maximizing Social Security
- Medicare analysis
- Long-term care analysis
- Income production and wealth preservation
- Minimizing taxes and use of Roth
- Legacy and gifting
- Managing Required Min Distributions (RMDs)
Professional Management
Ongoing Financial Planning & Investment Management
Best for those who see the value of ongoing proactive financial planning and investment management. There is no separate initial or ongoing financial planning fee, like with Build or Retire. The all-in-one fee is based on asset size.
Minimum Asset Size of $400,000 -$600,000 depending on financial planning complexity.
Investment Management at TD Ameritrade Institutional (held-away assets may apply)
First $500,000 – 1.25%
Second $500,000 – 0.70%
Over $1,000,000 – 0.40%
Everything included with Build and Retire and:
- Tailored investment management by a CFA
- Access to low-cost investments
- Access to Donor Advised Funds (DAFs)
- Access to Separately Managed Accounts (SMAs)
- Access to Alternative Investments
- Proactive tax and risk planning
- Portfolio Rebalancing
