Advisory services and fees

01 The first mandate

Comprehensive financial & retirement plan

$3,200 flat fee

An objective, start-to-finish financial architecture for a household that is not yet ready to commit to ongoing asset management. Across three structured meetings a CFP® professional works through cash flow, retirement readiness under several market scenarios, tax-bracket opportunities, risk exposure and the existing estate documents, and delivers a written blueprint that the family can act on with or without the practice.

Best for households that want one complete, objective plan before deciding anything else.

Included

• A full balance-sheet and cash-flow analysis
• Retirement stress testing and a multi-year tax projection
• An insurance review and a written action roadmap

Not included

No ongoing portfolio management, no product sale and no tax return preparation.

Timing

Three structured meetings, in the rooms or by video call.

Contact about the comprehensive financial plan

The five that follow

• 02

  Ongoing wealth & portfolio management

  0.75%–0.95% of assets, tiered

  The practice’s signature relationship joins full financial planning to disciplined investment management. Portfolios are built from globally diversified, low-expense ETFs and institutional bonds matched to the withdrawal horizon, with asset location coordinated across taxable, traditional and Roth accounts, tax-loss harvesting where it helps, and meetings twice a year or quarterly as life changes.

  Best for families who want planning and investing handled together, year after year.

  Included

  • A written investment policy statement
  • Rebalancing, asset location and tax-loss harvesting
  • Year-round planning with scheduled review meetings

  Not included

  No proprietary funds, annuities or insurance products, and no custody of client assets.

  Timing

  Ongoing, with reviews twice a year or quarterly.

  Contact about ongoing wealth management

• 03

  Retirement income & Social Security strategy

  $1,950 standalone, or included in management

  Moving from saving to spending within five years of retirement brings sequence-of-returns risk, Medicare IRMAA surcharges and required minimum distribution traps. The practice maps multi-year Roth conversion windows, weighs Social Security claiming ages for both spouses and builds a cash-reserve runway, so that accumulated 401(k), IRA, pension and brokerage balances become a steadier, tax-efficient retirement paycheque.

  Best for households within roughly five years of retirement.

  Included

  • A year-by-year withdrawal order across every account
  • Roth conversion windows set against IRMAA tiers
  • Social Security claiming options for both spouses

  Not included

  No income figure is guaranteed, and no tax return is prepared here.

  Timing

  Usually two to three meetings over four to six weeks.

  Contact about retirement income strategy

• 04

  Business owner liquidity & pre-exit advisory

  from $3,800, custom engagement

  Before a letter of intent to sell a practice or closely held company is signed, knowing the post-tax walk-away number brings clarity to the negotiating table. Working with the owner’s M&A attorney and CPA, the practice models personal net worth after the sale, weighs installment structures and retirement plan funding such as cash balance or Solo 401(k) plans, and plans how the proceeds will be invested.

  Best for owners facing a sale, a partner buyout or a succession.

  Included

  • A post-tax walk-away figure under each deal structure considered
  • Coordination with the M&A attorney and CPA already engaged
  • A written plan for investing the proceeds after the sale

  Not included

  No company valuation, no sale process and no legal drafting.

  Timing

  Scoped in writing; it follows the timetable of the transaction.

  Contact about pre-exit advisory

• 05

  Estate, trust & charitable giving coordination

  $1,650 standalone, or included in management

  Even well-drafted estate documents fail when account beneficiaries and trust titles are out of step with them. While the family’s estate attorney drafts the legal instruments, the practice audits every account registration, models charitable vehicles such as donor-advised funds and qualified charitable distributions after age 70½, and prepares a clear survivor briefing binder for a spouse or successor trustee.

  Best for work alongside an estate attorney, never instead of one.

  Included

  • A beneficiary and account-titling audit
  • Charitable giving options modelled in writing
  • A survivor briefing binder, shared with the attorney

  Not included

  No will, trust or deed is drafted here.

  Timing

  Runs alongside the legal work and follows its timetable.

  Contact about estate and legacy coordination

• 06

  Tax-aware investing & equity compensation

  $2,400 standalone, or included in management

  Built for executives, engineers and senior leaders holding significant company equity. Working from the client’s own tax return, the practice models alternative minimum tax thresholds, 10b5-1 trading considerations, capital-gains bracket filling and gifts of appreciated stock to a donor-advised fund, setting a written diversification schedule for RSUs, ISOs, NQSOs, ESPP shares and concentrated positions.

  Best for anyone with a large share of net worth in one employer’s stock.

  Included

  • A vesting and exercise calendar for every grant
  • AMT and capital-gains projections, prepared with the client’s CPA
  • A written schedule for diversifying the concentrated position

  Not included

  No tax return is filed here, and no trade is placed outside a signed agreement.

  Timing

  Usually three to five weeks, ideally before the next vesting date.

  Contact about equity compensation planning