In our initial complimentary consultation, we will discuss your needs and provide a proposal for your personal financial plan. Our services are based on the amount of time we spend working on your plan and meeting with you, not how much money you have. More complex planning will take more time, and we’ll always be transparent with you about our fees.

Read our client profiles to get an idea of who typically benefits from different planning levels.

Scouting

$1,920 - $3,2006 - 10 hours
  • For people just starting in their career and beginning to save for retirement. Planning includes:
  • • Cash flow review
  • • Review of assets
  • • Paying off debts
  • • Basic saving advice
  • • Basic strategies to achieve short & long term goals

Touring: Mid-Career

$2,880 - $4,1609-13 hours
  • For early to mid-career individuals and families with some accumulated assets, investments, and retirement savings. Planning includes:
  • • Cash flow and asset review
  • • Debt payment strategies
  • • Savings and investment advice
  • • Basic retirement modeling
  • • College savings

Journey I: Planning Retirement

$4,480 - $5,76014-18 hours
  • For mid to late career individuals and couples who require more specialized advice, including those who have an accumulation of investments, assets, and properties. Planning includes cash flow and asset review as well as:
  • • Detailed retirement modeling
  • • Company stock award strategies
  • • Planning for private primary or secondary education
  • • Investment account consolidation
  • • Single rental property investment

Journey II: Retired

$4,480 - $5,76014-18 hours
  • For people currently taking retirement distributions and supporting their lifestyle with savings. Planning includes cash flow and asset review as well as:
  • • Detailed retirement modeling
  • • Plans for early retirement
  • • Pension strategies
  • • Required minimum distributions
  • • Retirement distribution strategies

Expedition

$5,760 - $8,00018 - 25 hours
  • A more complex journey. This level is for anyone with a non-traditional financial landscape that includes many moving parts. Planning includes more time for us to discuss:
  • • Special income situations
  • • Varied investment accounts
  • • Complex tax situation
  • • Higher assets spread over many accounts
  • • Complex investment advice

Note: the above estimates are for illustrative purposes only. Your planner will provide you with a specific quote when you meet.

We recommend meeting annually to monitor the progress of your plan, make modifications, and balance your portfolio to stay on track. Your annual review includes:

  • Updating financial assets, cash flow, and savings goals.
  • Integrating changes in your family, career, and assets as well as responding to environmental factors.
  • Fees are based on the complexity of your needs. Basic annual reviews take 5-8 hours; more complex reviews can take between 9 and 12 hours.

Every 3-5 years we recommend a more thorough plan update that takes into account the significant changes that inevitably happen in the course of a life. Your plan update includes:

  • A more significant plan review that may include an analysis of education funding and home affordability, more refined retirement modeling, and survivor needs.
  • Updates based on changes in household income, family composition, or health issues.
  • Fees will be estimated based on the complexity of your update.

Contact us to schedule time with your financial planner