This Arrangement is for You if You’re…
Retired or nearing retirement
Looking for planning support over time
Wanting your financial pieces coordinated
Ready to delegate investment management
Ongoing Wealth Management
I wish I could just call one person who knows my whole picture.”
If you’ve ever had this thought, our Ongoing Wealth Management service may be a fit. This relationship is designed for retirees and near-retirees who want financial planning and investment management working together over time.
Typical areas of ongoing support include:
- Retirement income and portfolio withdrawal strategies
- Roth conversion and tax-planning coordination
- Social Security and pension claiming decisions
- Investment account consolidation and portfolio management
- Coordination with your CPA, attorney, and other professionals
- Insurance, estate document, and beneficiary reviews
- Philanthropic planning and gifting
- Continuity and care planning if something happens to the household CFO
What is Our Investment Strategy?
Low-cost, passive management, globally diversified mutual funds
Investment options include core, tax-efficient, and ESG/Socially Responsible portfolios. The goal is to keep fees down and returns (both financial and non-financial) up. We partner with GeoWealth for portfolio design and back-office support and use Schwab as our financial custodian.
Knowing your tolerance for risk is one of the pillars of establishing an appropriate investment strategy.
We help coordinate the moving pieces of your financial life so decisions about retirement income, taxes, investments, Social Security, estate planning, and giving are made with the full picture in mind.
Wealth Management for Every Season
You receive year-round guidance to ensure that your financial, investment, tax, and estate planning strategies are always up to date and proactively looking to the next season.
Understanding Our Fee Structure
Transparency and honesty are key pillars of the firm, starting with being upfront about costs. We are a fee-only practice, meaning fees come directly from a mutually agreed-upon arrangement, not commissions.
Ongoing Wealth Management
Your financial life is about more than numbers—it’s about how all the pieces fit together. Our tiered fee structure is designed to be fair, transparent, and proportionate. As your assets grow, the percentage applied to each additional dollar decreases, keeping fees aligned with the scope of work and level of care each household receives. Each relationship is personal and evolving, with thoughtful planning, coordinated oversight, and responsive guidance to help you stay confident and focused on what matters most.
Wealth Management Fee Structure
Based on a percentage of assets under management
| Account Asset Value Range | Asset Based Fee |
| $0.00 - $500,000 | 1.50% |
| $500,000.01 - $1,000,000 | 1.00% |
| $1,000,000.01 - $3,000,000 | 0.80% |
| $3,000,000.01 - $5,000,000 | 0.60% |
| $5,000,000.01 - and greater | 0.40% |
Fees are calculated using a blended, tiered schedule, so each portion of your portfolio is billed at the rate that applies to that tier.
Fees are deducted quarterly from investment accounts, and the minimum portfolio size for ongoing Wealth Management services is $500,000.
Let’s Talk About What Comes Next
Retirement brings a new set of decisions around income, investments, taxes, family, and legacy. If you are looking for an ongoing planning relationship with someone who understands the full picture, we invite you to take the next step.