Services & Fees
What our $10,000/year flat-fee engagement covers
Comprehensive retirement planning coordinated around tax efficiency, cash flow, and long-term decision-making.
Tax & Distribution Planning
- Roth conversions
- Multi-year tax projections
- Withdrawal sequencing
- IRMAA coordination
- Tax-smart giving
Retirement Income Planning
- Cash Flow Planning
- Social Security Strategy
- Pension Decisions
- Retirement date scenarios
Investment Management
- Tax-aware Portfolio Management
- Rebalancing & Tax Loss Harvesting
- Asset Location Strategy
- Research Backed Approach
Major Life Decisions
- Real Estate Decisions
- Insurance Review
- Benefits & Elections
- Estate & Beneficiaries
$10,000/year
Fee includes ongoing investment management
Fee Comparison vs. Typical AUM Fees
Illustrative example only. Traditional advisory fees often range from 0.5%–1.5% of assets under management (AUM).
Retirement Roadmap uses a flat annual fee.
Assumes portfolio value remains constant. Actual advisory fees vary by firm and relationship.
| Portfolio Value | 0.5% Fee | 1.0% Fee | 1.5% Fee | Your Flat Fee | Annual Difference vs 1% |
|---|---|---|---|---|---|
| $1,000,000 | $5,000 | $10,000 | $15,000 | $10,000 | $0 |
| $2,000,000 | $10,000 | $20,000 | $30,000 | $10,000 | $10,000 |
| $3,000,000 | $15,000 | $30,000 | $45,000 | $10,000 | $20,000 |
| $4,000,000 | $20,000 | $40,000 | $60,000 | $10,000 | $30,000 |
| $5,000,000 | $25,000 | $50,000 | $75,000 | $10,000 | $40,000 |
| $10,000,000 | $50,000 | $100,000 | $150,000 | $10,000 | $90,000 |
Fee structure becomes increasingly important as assets grow.
Why We Don’t Charge 1%
If you're curious why we use a flat annual fee instead of the traditional 1% AUM model, we've written a full explanation outlining the structural and tax considerations behind that decision.
Read: The Death of 1%
Ongoing retirement planning, built around taxes
Semi-annual strategy meetings plus responsive support in between. Clear priorities, proactive tax planning,
and an investment approach that follows the plan—not the other way around.
Tax-first strategy
Roth conversion planning, withdrawal sequencing, IRMAA awareness, and multi-year tax projections—
coordinated around your retirement timeline.
A plan you actually use
Semi-annual review meetings to update assumptions, track progress, and turn the plan into a short set
of next best actions.
Support between meetings
Timely input on retirement dates, equity comp, tax payments, and other life decisions when timing matters.
Your Financial Dashboard
A secure, real-time dashboard that gives you a clear view of your complete financial picture.
Retirement projections, Roth conversion modeling, tax planning, and real-time net worth tracking — all in one place.