How we work with you

We're a long-term partner for people preparing for retirement or already there. As fee-only fiduciaries, we're required to put your best interests first. We manage your investments on an ongoing basis and keep your financial plan current as life changes, so you have one team by your side for decades, not just a one-time plan.

Two ways to work with us

Ongoing investment management, with planning included
For households with $500,000 or more in investable assets. We manage your portfolio and provide ongoing retirement planning as part of the relationship, at no additional cost. Our annual fee ranges from 1% to 0.5% of the assets we manage: the larger your portfolio, the lower your rate.

Start with a comprehensive plan
A one-time fee starting at $2,500, depending on the complexity of your situation. Get a complete retirement roadmap first, and decide about ongoing management later. You'll know your exact fee before you commit. If you choose ongoing management within 12 months, your planning fee is credited toward your first year of management fees.

We don't offer ongoing hourly advice. The one exception: if you're still working and your savings are in an employer plan you can't roll over yet, we can update your plan as needed at our hourly rate until you're able to.

How we manage your investments

Your advisor builds and manages your portfolio personally, around your goals, income needs, comfort with risk, and timeline. We monitor it on an ongoing basis and rebalance as needed, with attention to taxes and risk.

What having us manage your portfolio means for you:

• A portfolio built for you, not a model. Rather than placing you in a one-size-fits-all model portfolio, we select investments for your situation, such as individual stocks, individual bonds, CDs, ETFs, and mutual funds.

• A steady plan when markets swing. We help you stick to a strategy built around your goals instead of reacting to headlines. Avoiding emotional decisions is one of the most valuable things an advisor can do.

• Investments that work with your retirement income. Withdrawals, required minimum distributions, and Roth conversions are coordinated with your portfolio, not handled separately.

• Attention to taxes. We consider which accounts to hold each investment in and which to draw from first, so more of your savings can stay working for you. And when an investment in a taxable account drops in value, we may sell it and buy something similar, so you stay invested while the loss can be used to offset taxes on your gains. This is known as tax-loss harvesting.

• More time for what matters. We handle the monitoring, rebalancing, and day-to-day investment decisions, so you don't have to.

• Continuity for your family. If something happens to you, your spouse or children already know who to call and have a team that knows your plan.

Tax-loss harvesting may not be appropriate for everyone. Please consult your tax advisor about your situation.