Understand Your Priorities
We begin with your goals, concerns, and the decisions you’re facing. Together, we organize your financial information and identify where greater coordination is needed.
Services & Fees
One Coordinated Relationship. Clear Expectations.
Your investments, taxes, retirement income, and estate decisions all affect one another.
Our Integrated Retirement Planning relationship brings those decisions together around your goals, with a clear process, ongoing guidance, and transparent fees.
Schedule Your 15-Minute Introductory CallWhat to Expect
A Clear Start.
An Ongoing Relationship.
Our True Wealth™ Process helps us understand what matters most to you, bring your financial picture together, and turn your retirement goals into coordinated action.
Explore the True Wealth™ Process →Build and Implement Your Plan
During the first six months, we meet monthly to develop your strategy, explain recommendations, and help put your plan into action. Immediate priorities are addressed as they arise.
Keep Your Strategy Connected
After the initial six months, quarterly planning meetings help keep your financial decisions aligned. Your personal service calendar reflects your priorities, with support between meetings as questions and opportunities arise.
Your Planning Year at a Glance
Every Season. A Purpose.
Your needs guide our work together. This sample calendar illustrates how we organize ongoing planning, with timing and topics adjusted around your circumstances.
Start the Year
Revisit goals, cash flow, expected income, equity compensation, and upcoming financial decisions. Coordinate relevant information for tax preparation.
Spring Review
Review your filed tax return, update tax projections, and revisit retirement readiness and investment strategy.
Summer Review
Review estate and beneficiary coordination, insurance, healthcare, and employer benefits as applicable.
Year-End Planning
Coordinate tax decisions, Roth conversions, charitable giving, distributions, and compensation elections where relevant. Establish priorities for the coming year.
Investment management continues throughout the year. Important decisions and deadlines receive attention when needed, regardless of the scheduled review topic.
Integrated Retirement Planning
Your Financial Decisions.
Working Together.
We help you coordinate the decisions that shape your financial life today and your retirement ahead.
Depending on your needs, our work may include:
- Retirement readiness and income planning.
- Lifetime tax planning and Roth conversion analysis.
- Equity compensation, employer stock, and deferred compensation.
- Social Security and Medicare planning.
- Cash flow, liquidity, and withdrawal strategies.
- Estate, beneficiary, and insurance coordination.
Planning Fees
Ongoing planning starts at $375 per month.
A one-time initial planning fee of $2,500 covers the additional analysis and development of your coordinated strategy.
Fees reflect the scope and complexity of your situation. We’ll explain your specific services and pricing before work begins.
| Planning Fee | Starting Cost |
|---|---|
| Initial planning and strategy development | $2,500 one time |
| Ongoing planning | $375 monthly |
| Total first-year planning fees | $7,000 |
| Annual planning fees thereafter | $4,500 |
First-year pricing includes the initial fee and twelve monthly planning payments.
Financial planning is offered as part of a relationship that includes investment management. Investment management fees are separate and additional.
Investment Management
A Portfolio With a Purpose.
Your portfolio should support your retirement income, tax strategy, liquidity needs, and long-term priorities.
Our investment management relationship includes portfolio construction, ongoing monitoring, rebalancing, and coordination with your financial plan.
Fees are based on the assets we manage for you using the tiered schedule below. The rates are annual; fees are billed monthly. There is no investment minimum.
| Portion of Assets We Manage | Annual Rate |
|---|---|
| First $250,000 | 1.50% |
| Next $250,000 | 1.25% |
| Next $500,000 | 1.00% |
| Next $2,000,000 | 0.75% |
| Next $7,000,000 | 0.60% |
| Next $15,000,000 | 0.50% |
| Assets above $25,000,000 | 0.40% |
Each rate applies only to the assets within that tier. As your managed balance increases, additional assets are charged at progressively lower rates.
Estimate Your Fees
See What Your Relationship Could Cost.
Move the slider or enter the amount you would like us to manage. Your estimate shows investment management fees and the combined cost of planning and investment management.
$0$1M$5M$10M
Slider scale expands with balance. Maximum estimate: $10 million.
Effective annual investment management rate1.19%
Estimated investment management fees
$989.58
Monthly estimate
$11,875
Annual estimate
Combined planning and investment management fees
$18,875
First-year total
$16,375
Ongoing annual total
Estimates use the published investment management schedule and starting planning fees. Monthly investment estimates equal the annual estimate divided by twelve. Actual fees depend on your planning scope, account values used for billing, and the terms of your agreements. Underlying investment expenses, applicable third-party charges, and optional estate implementation are additional.
Estate Coordination and Implementation
Help Put Your Intentions Into Action.
Estate coordination is part of your ongoing planning relationship. We help identify gaps, coordinate beneficiary information, and connect your estate goals with your financial strategy.
For clients with straightforward estate planning needs who do not have documents in place, we can also help facilitate estate plan implementation for an additional cost. We’ll explain the scope and costs before you proceed.
Legal advice and customized legal documents should be addressed with an estate planning attorney.
Common Questions
Why are planning and investment management priced separately?
Financial planning connects the decisions across your financial life. Investment management addresses the construction and ongoing management of your portfolio. Separate pricing makes the cost of each clear while keeping the work coordinated.
Is financial planning available on its own?
Financial planning is offered as part of our integrated relationship, which includes investment management.
Is there an investment minimum?
No. We consider your complete financial situation, planning needs, and whether our approach is a good fit. Planning fees apply regardless of the amount we manage.
Does planning include tax-return preparation?
Tax planning is part of our advisory relationship. Tax-return preparation and separate tax advisory engagements are provided through LBT Tax Services under a separate agreement and fee.
Let’s See If We’re a Good Fit.
Start with a complimentary, 15-minute introductory call with Rick.
We’ll discuss what prompted you to reach out, your planning priorities, and how our services and fees align with your needs. You’ll have an opportunity to ask questions and decide whether you’d like to take the next step.
If we agree there’s a good fit, we’ll schedule your Integrated Retirement Review to explore your financial picture in greater depth.
No documents or preparation required. No obligation to move forward.