Retire With Confidence & Clarity
For the rest of 2025, we will not be offering one-time plans. We will only offer ongoing AUM or Subscription services after a client as gone through our Free Retirement Review™. (see below)
Free Retirement Review
(available 5/1)
$0
For qualifying prospective clients
This review is designed to answer 3 main questions:
1. How do I produce a retirement paycheck with my nest egg?
2. How can I pay less tax in retirement?
3. Are my investments right to safely produce a retirement paycheck
This “light” financial plan is designed to give you an idea of our process and abilities. If you become a client, we will complete the financial plan, providing more details and specifics, and addressing all the other financial planning topics.
Four-step process:
Retirement paycheck
Tax analysis
Legacy analysis
Investment analysis
While this review will provide valuable insights into your retirement, be aware it is not designed to be a full, complete financial plan; please take care before acting.
Ongoing Subscription
$10,000-$30,000 per year
(depending on complexity)
For those who want financial planning and investment guidance with our Sona Retirement System(tm) but not have their assets held with our custodian.
There are no do-overs in retirement! The subscription package is best for those nearing or in retirement who want clarity and confidence around their retirement decisions but want to handle the all the operational aspects themselves.
For this service to be of value it generally requires a net worth of $3,000,000+ or income equivalent
Includes all the following
- 1-2 step planning process to finish and add detail and specifics your financial plan -- building upon your Free Retirement Review
- Behavioral coaching
- 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
- Maximizing Social Security
- Medicare analysis
- Long-term care analysis
- Income production and wealth preservation
- Minimizing taxes and use of Roth
- Legacy and gifting
Professional Management
Ongoing Financial Planning & Investment Management
For those who want financial planning and investment guidance with our Sona Retirement System(tm) and want us to handle all the details, ensure nothing is missed so they can enjoy their retirement.
Minimum Asset Size of $750,000 depending on financial planning complexity.
Investment Management at Charles Schwab
(held-away assets may apply)
First $750,000 – 1.25%
Next $1,250,000 – 0.65%
Next $8,000,000 – 0.25%
Over $10,000,000 – 0.10%
Each tier is calculated separately. Example
Everything included with our subscription service
- Tailored investment management by a CFA to produce your retirement paycheck
- Operational support for trading and producing your retirement paycheck
- Executing RMDs (Required Minimum Distributions)
- Access to low-cost investments
- Executing Roth Conversions throughout the year
- Access to Donor Advised Funds (DAFs)
- Access to Separately Managed Accounts (SMAs)
- Access to Alternative Investments
- Proactive tax and risk planning
- Portfolio Rebalancing
