Fees
Know what to expect from the start
Good financial planning starts with clarity, including what it costs. Our fees are transparent, so you can understand what you’ll pay, what’s included, and whether working together makes sense for you.
Annual fee
0.50%–1.20%
of assets under management
- Minimum annual fee
- $12,000 per year
- Minimum investment
- $1 million of savings and investments (excluding real estate)
- Minimum investment
- Financial planning + investment management
- Commissions
- None
How the fee works
Our fees range from 0.50% to 1.20% of assets under management, with a minimum annual fee of $12,000. The percentage decreases as investment balance increases.
The all-in fee covers both ongoing financial planning and investment management. That means retirement income planning, tax strategy, investment management, and the other financial decisions that come up along the way are all part of the relationship.
Fees are deducted directly from your accounts, and you'll know exactly what your fee will be before deciding whether to work together.
The goal is for the value of the planning to extend well beyond investment management. For many clients, decisions around Roth conversions, retirement income, Social Security, Medicare, charitable giving, and taxes can have meaningful long-term implications. We'll discuss where I see opportunities in your situation before you make a decision.
What the fee covers
- Proactive, multi-year tax planning including Roth conversion sizing
- Retirement income design and an annual withdrawal schedule
- Social Security claiming strategy and Medicare coordination
- Investment management across every account I oversee
- Ongoing adjustments when the tax law changes or your life does
- Estate, beneficiary, and survivor planning alongside your attorney
- Charitable and family gifting strategy
- The many little conversations in between, and on-demand decision-making when life happens
What it does not
- Tax return preparation. That belongs with your CPA, and I work with them directly
- Legal documents. Your attorney drafts them, I make sure they match the plan
- Insurance products. I do not sell any, so I have no reason to recommend one you do not need
Why fee-only matters
As a fee-only advisor, I’m paid directly by my clients, not through commissions, product sales, or referral fees. That means my compensation doesn’t change based on the investments or strategy I recommend.
That matters when you’re making big retirement decisions. Whether you’re moving assets from an employer retirement plan, evaluating retirement-income options, or deciding how to take a pension, the advice should be based on what makes the most sense for you, not how an advisor gets paid.
Questions about the fee
As a fee-only advisor, I only get paid by you, never through commissions or product sales. I sell no insurance and no investment products, and I take no referral payments or third-party incentives. The fee ranges from 0.50% to 1.20% of assets under management, with a minimum annual fee of $12,000, and the percentage falls as the assets grow.
The fee covers all of my services: proactive tax planning, investment management, coordinated withdrawal strategies, ongoing adjustments, the many little conversations in between, and on-demand decision-making when life happens. It also covers Social Security and Medicare timing, and the estate and beneficiary work alongside your attorney. There is no separate planning charge and no per-meeting billing.
Our ongoing and proactive service process is typically best suited for those with at least $1 million in savings and investments, excluding real estate. It's not a hard and fast rule, and some exceptions may apply.
Potentially. Our minimum annual fee is $12,000, but the exact amount depends on the scope and complexity of your financial situation. In some circumstances, we may instead mutually agree on a fixed annual retainer that is fair to both sides. Regardless of the structure, I encourage clients to focus on the total dollar amount they are paying relative to the value they receive.
Generally, yes. My approach combines financial planning and investment management, and I believe the two work best when they're coordinated.
Having oversight of your investments allows me to implement withdrawal strategies, manage taxes, and make adjustments as your circumstances change.
There may be exceptions depending on your situation, which we can discuss as part of our initial conversations.
I believe the value of financial advice should extend well beyond investment performance.
For my clients, that includes proactive tax planning, thoughtful retirement income strategies, and having someone to help navigate important financial decisions as life changes.
Some of that value can be measured in dollars, through tax savings, avoiding costly mistakes, and making more informed decisions. Other benefits are harder to quantify, like greater confidence, peace of mind, and more time to focus on what matters most.
Ultimately, I want clients to feel that the guidance, service, and ongoing relationship are well worth the cost.
Start with a conversation.
The first step is a 30-minute phone call. Tell me what’s on your mind and what you’re hoping to accomplish, and we’ll see if working together makes sense. No preparation required.