Each package on this page is a defined scope of work, not a vague promise. Whether you need a one-time portfolio review, a structured retirement plan, or ongoing guidance through market cycles, the format is clear before you commit. You will see what is included, what is not, and how the work is delivered.
Every engagement follows a structured path, from the first conversation to a working plan you can actually implement. The sequence below shows what happens at each stage, so you know what to expect before we begin.
We start with a 45-minute conversation about your current portfolio, income needs, and time horizon. No jargon, no pressure — just a clear picture of where you stand and what questions matter most to you.
You share your statements, tax returns, and any existing retirement accounts. We map your assets against your goals and flag gaps like missing beneficiaries, high-fee funds, or uninsured risks that could derail your plan.
Within two weeks, you receive a written strategy document. It covers asset allocation, specific ETF and bond recommendations, withdrawal sequencing, and inflation protection measures tailored to your situation.
We walk through the draft together, line by line. You ask questions, challenge assumptions, and we revise the plan until it reflects your actual comfort level with risk and your spending needs.
Once you approve the plan, we help you execute it. This includes transfer instructions, order placement guidance, and a checklist for moving accounts without triggering unnecessary tax events.
Markets move, and so does your life. Every quarter we review performance against benchmarks, rebalance when needed, and update your plan for changes like a new job, inheritance, or shifting retirement timeline.
A clear breakdown of the three service formats we offer, so you can match the right level of support to your current planning stage.
A single-session portfolio check-up. We map your current holdings, identify gaps in diversification, and give you a written action list you can implement on your own.
A structured three-month engagement. We build a detailed retirement income plan, including projected cash flow, tax considerations, and a bond ladder strategy tailored to your spending needs.
Continuous portfolio oversight with quarterly rebalancing and inflation protection reviews. We monitor your asset allocation, adjust for market shifts, and provide a clear annual tax-loss harvesting report.
A focused plan for generating steady cash flow through dividend-paying ETFs and covered call strategies. We set up a monthly income schedule and show you how to reinvest distributions for compounding growth.
A targeted review of your portfolio's exposure to inflation. We analyze your TIPS allocation, real estate holdings, and commodity exposure, then recommend specific adjustments to preserve purchasing power.
Designed for retirees who want to minimize taxes on their distributions. We sequence your withdrawals across taxable, tax-deferred, and Roth accounts, and coordinate with your Medicare and Social Security timing.
A one-off review gives you a snapshot of your current situation with specific recommendations you can act on independently. An ongoing package includes scheduled check-ins, portfolio rebalancing, and adjustments as your goals or market conditions change. If you are close to retirement or managing a complex estate, the ongoing format usually makes more sense because it keeps your plan aligned with reality rather than a single point in time.
Start with the Starter Review if you have a straightforward portfolio and want a second opinion. Choose the Wealth Builder package if you are accumulating assets and need help with contributions, asset allocation, and tax-efficient investing. The Retirement Income package is designed for those drawing down assets or planning to within five years. If you are still unsure, book a short consultation and we will map your needs to the right format without pushing you into a larger commitment.
Both. The Starter Review assumes you have basic accounts but not deep investment knowledge, so the report explains each recommendation in plain language. The Wealth Builder and Retirement Income packages include educational materials alongside the financial plan, so you understand the reasoning behind each move. We do not assume you know how to read a balance sheet or interpret yield curves; we explain what matters for your specific decisions.
Yes. Packages are not locked contracts. If you start with the Starter Review and later want ongoing guidance, you can upgrade to a monthly or quarterly plan. If you retire earlier than expected, you can move from Wealth Builder to Retirement Income. We review your situation at each check-in and will suggest a change only when it genuinely serves your goals, not as a sales tactic.
We look at your income sources, expenses, existing investments, insurance coverage, tax situation, and any debts. For retirement-focused packages, we also estimate your expected retirement age, spending needs, and how inflation might affect those numbers. This assessment is the foundation for every recommendation, so we spend enough time on it to avoid generic advice that does not fit your actual numbers.
Monthly packages include one scheduled session per month plus email support for urgent questions. Quarterly packages include four meetings per year with a written update after each one. Between meetings, you can send us documents or questions through the client portal, and we respond within two business days. You also receive a short market and portfolio note each month so you stay informed without needing to track everything yourself.
Still unsure which format fits your situation? Send us a message through the contact page and we will help you decide without obligation.