Working together
Three ways to work together.
Every option starts with the same plan. The difference is how much help you want carrying it out.
How it works
Three steps from first call to finished plan.
Once your documents are in, you’ll have your plan in about a month.
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01
Discover
The first conversation
A Retirement Clarity Assessment: where you stand, what you want, and the decisions ahead. You’ll know if we’re a fit before you commit.
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02
Design
About two weeks after your documents arrive
I gather your pension estimates, statements, tax returns and benefits. Then we meet to work through your goals and tradeoffs.
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03
Deliver
About two weeks after the design meeting
A video walking through every recommendation, plus a written plan. One-Time Plan clients get 30 days of follow-up questions. Ongoing Plan and Wealth Management clients get help putting it in place, two meetings a year, and access to me in between.
Side by side
What each option includes.
Fees start at the amounts shown and can be higher for more complex situations. You’ll get a quote before any work begins.
| Done with youOne-Time Plan | Done with you, ongoingOngoing Plan | Done for youWealth Management | |
|---|---|---|---|
| Retirement Clarity Assessment | ✓ | ✓ | ✓ |
| Design meeting | ✓ | ✓ | ✓ |
| Written plan and video walkthrough | ✓ | ✓ | ✓ |
| Questions after your plan | 30 days by email | Phone and email, anytime | Phone and email, anytime |
| Help putting the plan in place | – | ✓ | ✓ |
| Two planning meetings a year | – | ✓ | ✓ |
| Quarterly plan reviews | – | ✓ | ✓ |
| Investment management | – | – | ✓ |
| Tax return preparation | – | Optional, separate fee | Optional, separate fee |
| Fee | From $3,000One time | From $6,500/yrBilled quarterly | 0.85% to 0.65%Of managed assets |
Wealth Management: the financial planning fee is waived with $500,000 or more under management. This is a summary; our Form ADV Part 2A has the complete fee schedule and terms.
Every plan covers
Eight areas, one plan.
Your pension, taxes and investments all affect each other. I plan them together so one decision doesn’t undo another.
Retirement income
One paycheck from your pension, deferred comp, savings and Social Security, with spending guardrails.
Pension decisions
Your DRS option, survivor benefit and start date, modeled before you elect. The choice is permanent.
Tax strategy
Roth conversions, withdrawal order, leave cash-outs and Medicare premiums, planned by a CPA.
Investing
Low-cost, tax-efficient portfolios built to pay you an income.
Risk management
The right coverage before you leave employer benefits, and a bridge for health coverage to Medicare.
Cash flow
What you spend now, what retirement will cost, and how to cover the years before Social Security.
Estate planning
Beneficiaries on your pension, deferred comp and accounts, and the documents your family will need, coordinated with your attorney.
Charitable giving
Giving the most tax-efficient way, from qualified charitable distributions to donor-advised funds.