Home / Fees

Our fees, in plain numbers.

We charge flat fees and publish them. They don't change with the size of your accounts, and nobody else pays us anything for recommending a product.

  • Fee-only
  • Fiduciary
  • No commissions
  • No percentage of assets

The Retirement Plan

For households within about ten years of retiring

$4,500one time

Paid half at the start, half when the plan is delivered.

  • Retirement date range, tested against bad markets
  • Social Security and Medicare timing
  • Tax plan and withdrawal order
  • Insurance and estate review
  • Written plan, two meetings, about six weeks
Start with a free call
What most clients choose next

Ongoing Advice

After the plan, for as long as it helps

$450a month

$5,400 a year. Cancel any time with 30 days' notice.

  • Investment management included, any account size
  • Quarterly check-ins and a spring tax review
  • Plan updated as life changes
  • Questions answered by your planner, not a call center
  • Help with Medicare, RMDs and Roth conversions
Book a free intro call

The Owner's Plan

For people who own a small business

$6,500from, one time

Then ongoing advice from $600 a month. Quoted on the first call.

  • Everything in the Retirement Plan
  • Owner pay and company retirement plan design
  • Value range and after-tax sale estimate
  • Sale or succession timeline
  • Working sessions with your CPA and attorney
Start with a free call

Fee calculator

Put in your number.

Move the slider to what you have invested and pick a rate to compare. The gray bar is a percentage fee. The gold bar is our ongoing advice, which doesn't move.

Simple math: the rate times today's balance, no growth assumed. Real schedules often step down at higher balances. Our 10 year total includes the one-time $4,500 plan.

$1,500,000
Asset fee, per year
$15,000
Corbel, per year
$5,400
Asset fee over 10 years
$150,000
Corbel over 10 years, plan included
$58,500
You keep, over 10 years
$91,500

Straight answers

What the fee includes, and what it doesn't.

Tax forms, receipts and a calculator spread on a desk

Included

  • Every meeting, call and email with your planner
  • Investment management in ongoing advice
  • Coordination with your CPA and attorney
  • Medicare and Social Security help when the time comes
  • Both spouses, all accounts, one fee

Not included

  • Preparing your tax return (we work with your CPA)
  • Drafting wills or trusts (we work with your attorney)
  • Selling insurance, annuities or anything else
  • Fund expenses, usually 0.05% to 0.15% a year for the index funds we use, taken inside the funds, never paid to us

Questions people ask

Before you book.

Not here? Ask it on the intro call. That's what it's for.

Why not charge a percentage like everyone else?

Because the work of planning for a $2 million household isn't twice the work of a $1 million one. A flat fee keeps the price tied to the work, and it means we never have a reason to push you to keep more money invested with us.

Do I have to move my accounts to you?

For ongoing advice, we manage accounts at a large independent custodian in your name. You can see everything and withdraw any time. For a plan alone, nothing moves.

Can I buy just the plan?

Yes. About one in four clients takes the plan and runs it on their own. You can add ongoing advice later without paying for the plan again if it's within a year.

What does "fiduciary" mean here?

We are legally required to put your interests first in everything we recommend, and we put that in writing in our client agreement. We are paid only by you.

Is there a minimum?

No account minimum. The plan is the same price whether you have $300,000 or $3 million.

One more number

The intro call costs nothing.

Thirty minutes. We'll tell you which fee would apply to you before we hang up, and whether we're the right fit.

Intro call$0
Retirement plan$4,500
Owner's planfrom $6,500
Ongoing advice$450 a month
Owner ongoing advicefrom $600 a month