Pre-Retirees And Retirees 


A Pre-Retiree is typically between the ages of 55-65, nearing the end of their accumulation phase, and interested in laying the groundwork for a coordinated retirement income plan. Attempting to put away as much money as possible while insulating their nest egg from an ill-timed market pullback are top priorities. 

A Retiree is typically aged 60+, migrating into the principal preservation and income generation phases, and seeking the peace of mind a coordinated and dynamic retirement income plan can provide. Developing a Social Security optimization strategy, coordinating required minimum distributions, and ensuring estate planning is in order are all important to a retiree.

Both pre-retirees and retirees seek to insulate their assets from the costs associated with potential long term care needs.

Financial Planning Areas

• Customized “Sailing & Rowing” Asset Allocation Model
• Income For Life® Retirement Distribution Plan 
• RetireUp® Retirement Income Projection
• Capital Gains Tax Reduction Strategies
• Social Security Claiming Strategy Analysis
• Required Minimum Distribution (RMD) Coordination

•  Qualified Plan Asset Allocation Review & Recommendations
•  Insurance Analysis (life, disability, long term care, etc.)
•  Downsizing and/or Second Home Purchase Consultation
•  Advanced Cash Flow Analysis & Budget Construction
•  Stock Option/RSU Analysis
•  Medicare/Medicaid Supplement Evaluation
•  Estate & Legacy Planning & Coordination

Resources & Tools

•  AdviceWorks™ Client Portal
•  AssetMap® Visual Balance Sheet
•  Riskalyze® Advanced Investment Risk Alignment Report
•  Morningstar® Portfolio Analytics

•  Consolidated Multi-Period Investment Performance Reports
•  Weekly & Quarterly Newsletter Subscriptions
•  Educational Workshop Invitations
•  Online Education Suite Access


•  2 Initial Complimentary Meetings
•  2-4 Pre-Scheduled Portfolio & Planning Review Meetings per year
•  Unlimited Telephone & Email Conversations

Engagement Levels & Compensation

Option #1: Investment Advisory & Financial Planning

Investment Advisory Fee Schedule*

•  1.25% for first $1,000,000                                                                                                 
•  1.00% for amounts greater than $1,000,000 and up to $2,000,000                           
•  0.75% for amounts greater than $2,000,000 and up to $5,000,000                                  
•  0.65% for amounts greater than $5,000,000 and up to $10,000,000                                   
•  0.50% for amounts greater than $10,000,000                                                                

Financial Planning

•  All financial planning areas are included in the fee schedule above

Option #2: Financial Planning Only

•  Choose any two Financial Planning Areas for $2,400                                                     
•  Unlimited Financial Planning Areas for $7,200 or $600/month                 


*$1,000,000 is household minimum. Annual investment advisory fees are billed quarterly and based upon the account value at the end of each quarter. Family members will benefit from account balance aggregation to achieve favorable advisory fee breakpoints.

Let's Get Started

We will work with you to find the right mix of services and personal planning tools for your needs.  

Schedule Meeting