Still building
Financial Freedom Blueprint
Comprehensive financial planning, without handing over your investments.
A planning-led engagement for people whose retirement is still years out. You keep managing your own accounts; I build and maintain the plan around them — what to save, what to pay down, how to use your benefits, how to fund the things that matter without derailing the rest.
What’s included
- Cash flow and debt management
- Saving targets and goal funding
- Employee benefits and equity compensation
- College savings
- Insurance and risk management
- Estate planning review and coordination
- Tax planning strategies
- Investment analysis and asset allocation advice
What it costs
Year one from $5,000 — 25% due before work begins, the remainder across the following 11 months.
Year two onward from $2,400 per year, billed monthly in arrears.
Described in our Form ADV Part 2A, Item 4, as “Service Model 2: Ongoing Financial Planning Services.”
Approaching or in retirement
Retirement Income Blueprint
Investment management and comprehensive planning, together.
For the transition most advice ignores: turning a portfolio you spent decades building into income that has to last. I manage the investments against a written investment policy, and comprehensive financial planning is included at no additional fee — it is not a separate engagement or a separate bill.
What’s included
- Everything in the Financial Freedom Blueprint
- Discretionary investment management to a written policy
- Retirement income and distribution strategy
- Withdrawal sequencing across account types
- Social Security timing analysis
- Roth conversion analysis
- Sequence-of-returns risk planning
- Healthcare and Medicare cost planning
What it costs
Annual advisory fee by portfolio tier| Assets under management | Annual fee |
|---|
| First $500,000 | 1.25% |
|---|
| Next $500,000 | 1% |
|---|
| Next $1,000,000 | 0.75% |
|---|
| Above $2,000,000 | 0.5% |
|---|
Blended, not a cliff — each rate applies only to the portion of your assets that falls within that tier. Billed monthly in arrears on the average daily balance of your account.
With under $200,000 in investable assets, there is a fixed-fee option instead: from $5,000 in year one, then from $2,400 per year.
Described in our Form ADV Part 2A, Item 4, as “Service Model 1: Retirement / Pre-Retirement Wealth Management Services.”
