02 · Services

Wealth management and planning services

Returns tell only part of the story; what a household keeps after taxes, fees and poorly timed withdrawals matters far more. A fee marked from is a starting figure confirmed in writing before any work begins, and nothing on this page adds an item to a cart or holds an appointment.

A man writing notes on a printed page at a wooden desk, a brown leather case beside his hand. — Notes taken by hand at a discovery meeting. Every engagement fee is agreed against a scope written down like this.

All six services

S-01

Comprehensive financial & retirement plan

$3,200 flat fee

An objective, start-to-finish financial architecture for households not ready to commit to ongoing asset management. Across three structured meetings a CFP® professional analyses cash flow, retirement readiness across several market scenarios, tax-bracket opportunities, risk exposure and estate documents, then delivers an actionable written blueprint.

Best for a household that wants a complete balance-sheet analysis before deciding anything else.

Usual timing three structured meetings, with the written blueprint at the third.

Included

Monte Carlo retirement stress testing and tax projection modelling
An insurance audit and a written action roadmap with an implementation checklist

Not included ongoing portfolio management, which is a separate engagement, and drafting legal documents, which stays with the client's attorney.

S-02

Tax-aware investing & equity compensation

$2,400 standalone

Built for executives, engineers and senior leaders holding significant company equity. Working alongside the client's tax return data, the team models Alternative Minimum Tax thresholds, 10b5-1 trading considerations, capital-gains bracket filling and donor-advised fund stock gifting, so concentrated equity becomes diversified family wealth.

Best for anyone holding RSUs, ISOs, NQSOs, ESPP shares or one large single-stock position.

Usual timing a standalone engagement, or included in ongoing management.

Included

A diversification schedule for every equity grant and concentrated position
CPA tax projections run beside each sale or exercise
AMT threshold and capital-gains bracket modelling
Donor-advised fund stock gifting options set out in writing

Not included any product that pays the firm a commission, load or referral fee. The firm accepts none.

S-03

Retirement income & Social Security strategy

$1,950 standalone

Moving from saving to spending within five years of retirement brings sequence-of-returns risk, Medicare IRMAA surcharges and Required Minimum Distribution traps. The plan maps multi-year Roth conversion windows, Social Security claiming ages for both spouses and a steady cash-reserve runway, turning 401(k), IRA, pension and brokerage balances into a tax-efficient retirement paycheque.

Best for anyone within about five years of retirement.

Usual timing a standalone plan, or included in ongoing management.

Included

A multi-year Roth conversion map set against Medicare IRMAA tiers
A written comparison of Social Security claiming ages for both spouses

Not included annuity or insurance sales, and any assurance that a spending level will last.

Five stacks of silver coins of increasing height standing in a row on a white surface. — Stacks of coins in rising order. Each of the three engagements above starts from the balances a household already holds, because a plan is only as sound as its starting figures.

S-04

Ongoing wealth & portfolio management

0.75%–0.95% AUM

The firm's signature ongoing relationship joins full financial planning with disciplined investment management. Globally diversified, low-expense ETF and institutional bond portfolios are matched to the withdrawal horizon, asset location is coordinated across taxable, traditional and Roth accounts, and tax-loss harvesting is carried out proactively.

Best for families with roughly $500,000 or more in investable assets who want year-round planning.

Usual timing semi-annual or quarterly meetings as life changes, on a tiered fee schedule.

Included

Evidence-based portfolio construction and proactive rebalancing
Tax-loss harvesting and asset location across account types
Year-round comprehensive financial planning

Not included custody of client money, which stays at an independent custodian in the client's own name.

S-05

Estate, trust & charitable giving

$1,650 standalone

Even the finest estate documents fail if account beneficiaries and trust titles are out of step. While the client's estate attorney drafts the legal instruments, the firm audits every account registration, models charitable vehicles such as donor-advised funds and Qualified Charitable Distributions after age 70½, and prepares a survivor briefing binder.

Best for a household with a revocable or irrevocable trust, or a family legacy to align.

Usual timing included with ongoing advisory, or run as a standalone audit.

Included

A beneficiary titling audit across every account
Trust coordination alongside the client's estate attorney
A survivor briefing binder for a spouse or successor trustee

Not included legal advice and legal documents, which only the client's attorney provides, and the attorney's own fees.

S-06

Business owner pre-exit advisory

from $3,800

Before signing a letter of intent to sell a practice or closely held company, knowing the exact post-tax walk-away number gives an owner clarity at the negotiating table. The firm works with the owner's M&A attorney and CPA to evaluate instalment structures, retirement plan max-funding such as cash balance or solo 401(k) plans, and post-liquidity portfolio deployment.

Best for an owner preparing for a business sale, partner buyout or succession.

Usual timing a custom transition engagement, scoped in writing before work begins.

Included

Personal net-worth modelling before the sale, buyout or succession
The post-tax walk-away number, set out in writing
A post-liquidity cash-flow and portfolio plan, given as ranges where an exact figure is not knowable

Not included legal or deal documents, which stay with the owner's attorney, and no sale price or outcome is promised.

Review cycle

The points in an advisory year the engagements are built around

Week 1Discovery conversation: the two or three financial questions on the client's mind, with no statements needed.
Week 3Scope and fee proposal: tax returns and account summaries gathered securely, and the written fee agreed.
Qtr 1Blueprint and implementation: in-kind transfers, beneficiary updates and the first portfolio positioning.
Qtr 2Rebalancing and tax-loss harvesting review, with a written note of anything that has drifted from the stated goals.
Qtr 3Beneficiary titles and trust registrations checked against the current estate documents.
Year 1Annual review: cash flow, tax projections and the plan's assumptions restated for the year ahead.

The full cycle applies to ongoing wealth and portfolio management; a one-time plan uses only the first three rows. A fall in the markets does not move a meeting forward on its own, but a change in the client's circumstances can.

Reading the cycle

Three of the six engagements follow this cycle and three do not. The comprehensive financial plan occupies the first three rows, ongoing wealth management runs through all six, and estate and trust coordination sits beside the third-quarter row. Equity compensation planning, the retirement income strategy and pre-exit advisory run to their own timetable.

A row on this list is a point in the planning year, not an appointment. Nothing on this page holds a place in a diary.

Side by side

The same six, compared on four points

The figures repeat what each service above already states. A starting fee applies only to the scope printed with it, and every fee is disclosed in Form ADV Part 2A.

The six services compared by starting fee, usual timing and first step
Service	Starting fee	Usual timing	First step
S-01 Comprehensive financial plan	$3,200 flat fee	Three meetings	Book a discovery call
S-02 Equity compensation planning	$2,400 standalone	Standalone, or within AUM	Share the grant summary
S-03 Retirement income strategy	$1,950 standalone	Standalone, or within AUM	Name the retirement date
S-04 Ongoing wealth management	0.75%–0.95% AUM	Semi-annual or quarterly	Book a discovery call
S-05 Estate, trust & charitable giving	$1,650 standalone	Included with ongoing advisory	Name the estate attorney
S-06 Business owner pre-exit advisory	from $3,800	Custom engagement	Before the letter of intent

03 · Process

How an advisory relationship starts

01

Send the form or write

Name the engagement and the one financial question that matters most. The form asks for a name, an email address, an optional telephone number, the service, the kind of client and a message of at least twenty characters.

02

Receive a written reply

A reply arrives by email or telephone during office hours, Monday to Friday between 9:00 AM and 6:00 PM. It proposes a time for the complimentary 30-minute discovery call and says what, if anything, to have to hand.

03

Agree the fee, then start

Work begins only after the scope and the flat or tiered fee are agreed in writing. The firm is fee-only, so that fee is its sole compensation; anything beyond the scope is quoted before it starts.

04 · Suitability

One-time plan or ongoing management?

Many clients start with the flat-fee comprehensive plan or a standalone retirement income plan, with no obligation to move into ongoing management. If they later ask the firm to manage implementation within six months, half the planning fee is credited towards the first year. When two options still read the same way, name both in the contact form and the firm will say which fits.

That answer is about which service fits the question. It is not a recommendation to buy, sell or hold any investment, which can only follow once a scope has been agreed and the full facts are known.

Also useful

Eight questions answered
Who concentrates on what
How the firm works

05 · Contact

Discuss an engagement

Name the engagement and the firm will confirm the scope and the fee in writing before any work begins.

Book Send an enquiry

Or write to hello@larkfieldwealth.example and the firm replies Monday to Friday, 9:00 AM to 6:00 PM.