Here’s how we can work together

Strategy
Sessions

For $500, you’ll receive a 60-min laser-focused session on one of the topics below with email support for follow up Q&A. Currently, there are 4 types of Strategy Sessions (many topics not available as Strategy Sessions are best addressed as part of an integrated retirement income plan — see the Retirement Package):

1) 401k Review Session

2) Get Organized Session

3) Tax Planning Session

4) Three Gaps Review Session (business owners)

Book A Strategy Session

The Retirement Package

Flat-fee retirement income planning for (pre)retirees and business owners. This option allows our clients to customize the scope, length, and complexity of the project. Our typical (pre)retiree client engagement looks something like this: for $5,000, we’ll deliver the retirement income planning essentials you’ll need as you move into the next chapter. Within 60 days (assuming you’re available, responsive, and engaged) you’ll receive the following:

  • Get Organized Session (includes ‘in case of emergency’ organizational kit for your spouse or family)

  • Financial Snapshot

  • Written Retirement Income Plan with long-term projections

  • Spending Guardrails

  • Investment Plan with Investment Policy Statement

  • Roth Conversion Overview

  • Tax Report with a CPA referral

  • Social Security Timing Plan

  • Medicare Referral

  • Estate Plan Review with Referral

  • Insurance Referral

  • 3 Gaps Review for Business Owners

  • Executive Summary with Action Plan

Book An Intro Call

Wealth Management

For just under 1% Assets Under Management, you get The Retirement Package along with:

  • Full plan implementation across all investment accounts

  • Ongoing investment management

  • Planning meetings and phone consults as needed as we refine the retirement income plan and adjust as your situation (and life/laws/policies) change(s)

  • Tax, estate, and insurance coordination calls with your other professionals

  • Year-end review (typically with a tax planning focus)

  • Billing happens quarterly, so if at any point you’re not receiving the value you expect from our services, simply let us know. We’ll turn off the fee, refund the rest of the fee for the current quarter, and part as friends. We’ll even try to help you find a more suitable advisor if you’d like.

  • Wealth management services offered to households with $500K or more in investable assets ‍

Book An Intro Call

Big picture, here’s a sketch of what we’re trying to do.

Here’s how we’ll do it.

This is what it’ll feel like.

Here’s an overview of how we’re helping our clients

  • We’ll help you answer questions like, “How much do I need to retire?”, “When can I retire?”, “How much income can I count on?”, and “How can I put it all together by coordinating income streams, increasing tax efficiency, and managing my portfolio risk?”

  • It may be uncomfortable to face, but every business owner will exit their business at some point. The question is, will you be ready? We’ll help you understand your 3 gaps (your wealth gap, your profit gap, and your value gap). We’ll then align your personal, financial, and business goals as we work to unlock the value trapped in your business.

  • Our process will get your investments aligned with your personal situation and goals, manage portfolio risk, and make sure your money is working efficiently for you and your family.

  • You’ll get answers to questions like, “Which investment vehicles are most tax-efficient for my situation?”, “How can I maximize my tax bracket?”, and “Are there legal ways to lower my tax tax bill?”

  • You’ll get help with questions like, “Am I protected from common retirement mistakes?”, “Is my portfolio invested appropriately?” and “What about healthcare/long-term care?”

  • We’ll help you think through a trust vs a will, and make sure your beneficiary designations align with your wishes. Our trusted attorney referrals will draw up the legal documents, but we’ll address estate planning together in our process.

  • If you’d like more investment flexibility, distribution planning, and investment management (and it makes sense for your situation), we’ll help you move retirement funds to appropriate accounts like an IRA or Roth IRA.

  • We’ll work on questions like, “When should I turn on Social Security benefits?”, “What if something happens to me (or my spouse)?”, and “How do I maximize guaranteed income so I worry less about other investments?”

  • We’ll implement this if it makes sense and answer questions like, “How can I maximize my current tax bracket?” and “How can I pay less taxes over my lifetime?”

  • We can help you answer questions like, “Are all annuities bad?” and “How can I get pension-like income for (a portion of) my core expenses?”

Frequently Asked Questions

  • You can schedule an Intro Call here. We’ll simply enjoy a coffee, get to know each other, and see if we’re a good fit to work together.

  • We’re a fee-only firm, so we charge one transparent fee to our clients. The fee exists (whether for a one-time Strategy Session or for ongoing Wealth Management) so that we can deliver independent, unbiased recommendations. We do not accept commissions of any kind and we strive to reduce conflicts of interest when and where we can. We do not want to be thinking about “selling” you on products like insurance, annuities, or proprietary investments. For us, financial products are tools in the toolbox, not the way we get paid.

  • We manage assets at Charles Schwab and offer pension-like income options with third party vendors.

  • We use evidence-based investing strategies (like the kind Warren Buffett championed when he said, “The stock market is a wonderfully efficient mechanism for transferring wealth from the impatient to the patient.”) In general, we want to be owners, not loaners, and we’ll use a bucket system approach to help us stick to the long-term plan.

  • No. In-person meetings are great, and we do that regularly. We also work remotely with many of our clients via zoom, phone calls, and review videos to keep you up to date.