Pricing that's built for
retirement, not accumulation.
A flat annual fee for planning, no matter your account balance. Add investment management separately, or get it built into our Comprehensive plan.
How We Charge
Three plans. One flat fee each.
- Foundations is a one-time engagement.
- Income Plan and Comprehensive are ongoing relationships.
- Income Plan and Comprehensive are priced higher in year one for the heavier setup work, then lower each year after.
- Income Plan and Comprehensive bill quarterly, so no large lump-sum payment is required.
Foundations
One meeting, a clear picture of your Medicare and tax-bracket exposure, and a written action plan you can use right away. No ongoing commitment required.
$1,500 year one
Renew at $995 per year
- 1 intake meeting, 1 plan delivery meeting
- IRMAA and tax-bracket review
- Social Security timing overview
- Written action plan
Retirement Income Plan
A full withdrawal and Roth conversion strategy, tax prep and strategy, and quarterly check-ins to keep your plan on track. Built for the years right around and into retirement, when decisions get more complex.
$6,500 year one
Renew at $4550 per year
Billed quarterly: $1,625 year one, $1,125 per quarter after
- Everything in Foundations
- Intake and plan delivery, plus 4 check-ins per year
- Withdrawal order and Roth conversion plan
- Full tax preparation and filing
- Ongoing Medicare and IRMAA monitoring
Most comprehensive
Comprehensive
Everything in Income Plan, plus your investments managed alongside it, no separate AUM fee. Insurance, estate, and Medicare enrollment are handled too, so nothing falls through the cracks.
$8,500 year one
Renew at $6550 per year
Billed quarterly: $2,125 year one, $1,625 per quarter after
- Everything in the Income Plan
- Intake and plan delivery, plus unlimited check-ins
- Insurance review and coordination
- Estate plan review and coordination
- Medicare enrollment support
- Investment management included, no AUM fee, ever
Two ways to implement
Manage it yourself, or let us manage it for you.
Comprehensive clients get investment management built in automatically. Foundations and Income Plan clients can add it separately.
Do it yourself
For Foundations and Income Plan clients. You get the recommendations. You place the trades.
No extra charge
Already part of your planning fee
- Specific fund and allocation guidance
- Rebalancing instructions at each review
- You execute trades in your own accounts
Our recommendation
We manage it for you
For Foundations and Income Plan clients. We build, trade, and rebalance your portfolio directly.
OR
$1,900 /year, up to $2M managed
$3,200/year above $2M
- Ongoing trading and rebalancing
- Tax-loss harvesting handled automatically
- Coordinated in real time with your tax and income plan
- Two flat rates, not a percentage of assets
Fund selection and allocation guidance are already part of every plan. This fee covers the incremental work of active management for Foundations and Income Plan clients: placing trades, rebalancing, and tax-loss harvesting on an ongoing basis.
How We invest
A portfolio built around withdrawals, not just growth.
Retirement investing isn’t the same problem as accumulation. Here’s what actually changes in how your money is managed.
01
Low-cost, diversified core
Broad index and factor-based funds form the core of every portfolio. Lower fund fees mean more of your return stays yours.
02
Withdrawal-aware allocation
Your mix is built around when and how you'll draw income, not just risk tolerance. Near-term spending needs are separated from long-term growth assets.
03
Tax-coordinated, not siloed
Asset location, Roth conversions, and capital-gains harvesting are managed together with your tax plan, not as an afterthought.
Why flat fee
Built around income, not accumulation.
Most planning fees assume you’re still building a portfolio. Retirement flips that. Here’s how our pricing reflects it.
01
You're drawing down, not building up
A percentage-of-assets fee charges you more as your balance shrinks in retirement. A flat fee doesn't move with your withdrawals.
02
Year one is heavier, and priced that way
Mapping your income, tax brackets, and Medicare timing takes real work upfront. Once your plan is built, year two shifts to maintenance.
03
Investment management is optional
If you want your portfolio actively managed, that's a separate, transparent add-on. If you don't, your planning fee stays the same either way.
[Your Name], CFP®
Founder, Retirement Planning Studio
Know exactly what you're paying for.
Book a free 30-minute call. No pressure, no obligation, just clear answers about your situation and which plan fits.
No asset minimums required for any plan.