Retiring today is complex. We know you have better ways to spend your time than figuring out your retirement plan, but that’s why we exist. We make preparing for retirement easier (and more affordable), and then we help you transition into retirement with a “sustainable for life” financial plan. I guess you could say we deliver your retirement on a silver platter!
As Your Retirement Advisor, we’ve figured out the answers to your tough questions, so you don’t have to. We’re committed to helping you know enough, get enough, keep enough and have enough of the stuff that’s important to you. Once you’ve read all about our service offerings, we’re sure you’ll agree the value of Your Retirement Advisor is undeniable.
With our Full Service Planning offering, we collaborate with you and determine the best strategy for each of the retirement disciplines shown above, creating a comprehensive plan that you can implement with us, on your own or with another advisor. We believe the best retirement outcome is attained by committing to our full multi-step process. Learn more about the process
“Those who commit to a written retirement plan accummulate four times more assets than those who don’t.” -Wells Fargo Study, 2015
We also offer advice and assessments on any of these retirement disciplines, individually (a la carte) without requiring a commitment to a full plan or implementation services. For example, we can analyze your 401(k) or determine your Social Security filing strategy.
You’re also free to use our complimentary Learning Center anytime which includes access to a host of information and our Your Retirement Advisor University classes/e-classes and workshops.
Our Full Service fee structure combines portfolio management fees with a retirement planning fee as listed below. Both are based upon Total Investable Assets with the retirement planning fee charged in the first year only. The vast majority of retirement planning is completed in the first year with minor revisions completed over time. Most other advisors charge both fees continually and indefinitely. We feel that the portfolio management fee and the retirement planning fee should be treated separately. Our fees are more than .50% less than the industry average. View our Fee Disclosure document and/or see below.
We Offer 4 Compensation Methods
1. RETIREMENT PLANNING & ASSET MANAGEMENT
Our belief is that comprehensive retirement planning, coupled with prudent asset or portfolio management, offers the highest probability of enjoying a successful retirement. We offer various fee methods to choose from for your ultimate flexibility.
Comprehensive Services Provided:
Three Payment Methods to Choose From:
Three payment methods are offered to provide a low cost structure that suits your individual needs. Any of the three methods below includes the comprehensive suite of retirement planning and asset management services outlined above.
Payment Method #1 – Hourly Fee
An hourly fee can be utilized to provide Retirement Planning, Financial Planning or Portfolio Management services. Hourly fee for services: $200
Payment Method #2 – Flat Fee Structure
This structure offers the ultimate in flexibility. It allows the advisor to offer advice regardless of where the investment assets are positioned. A flat annual fee will be paid to the advisor to offer the full complement of retirement planning services; Tax Analysis, Investment Management, Risk Management, as well as any other planning needs. Utilizing this structure offers ultimate flexibility since assets can be positioned in the current 401(k) or with any investment management company. Our only goal is to offer the best unbiased planning possible as your retirement advisor.
|Total Net Worth||Under $249k||$250K – $499k||$500K – $999k||$1mil & above|
|Annual Flat Fee||$ 2500||$ 3500||$ 4500||$ 5500|
The annual flat fee provides all portfolio management and comprehensive retirement planning services but does not include any asset management related fees which will be determined based upon the asset management and custodial company utilized.
Payment Method #3 – Asset Based Management Fee
This fee is assessed as a percentage of the investment assets under management and is automatically debited either quarterly, semi-annually or annually based upon the investment assets under management (AUM).
FEE SCHEDULE AS FOLLOWS:
2. RETIREMENT PLANNING ONLY
A Flat Planning Fee can be utilized to provide Retirement Planning or Financial Planning services as follows:
3. ASSET MANAGEMENT ONLY
We offer “stand-alone” asset management services without additional planning services as follows:Assets Under Management (AUM)
Industry Ave = 1.85%*
Industry Ave = 1.75%*
Industry Ave = 1.65%*
Industry Ave = 1.50%*
*Source: Kitces, Inside Information, 2017 Planning Profession Fee Survey
There are instances where product availability under the Registered Advisor Platform is limited or non-existent. In this instance, a high quality, low-cost commission based product will be the best solution utilized. As a Series 7 registered securities representative and Life, Accident and Health insurance broker, a commission will be paid from each investment or insurance vendor based upon the product selected for the client. In this arrangement there can be front end fees, rear end or contingent deferred charges assessed based upon the product selection and company utilized to implement the plan. In all instances, any charges whether front, rear or combination will be discussed and agreed upon in advance of any product selection and transaction initiated.
Pre-Retirement (Ages 25-50)
We offer Retirement Solved for all phases of retirement planning. Strategies differ depending upon the phase you are in. In the Pre-Retirement or Accumulation phase, the focus is on gathering and growing your assets. Time is your biggest advantage. The sooner you start, the more you’ll have at the end. In the Getting Ready to Retire or Re-Allocation phase, the focus is on analyzing what you have, determining if it’s enough and adjusting your portfolio to reduce risk while maintaining growth potential. In Retirement or the Distribution phase, the focus is on managing risk and distributing your income in the most tax efficient manner in order to provide a sustainable income throughout retirement.
Our typical “full retirement service” clients are people getting ready to retire (aged 55-70) with at least $400,000 of investable assets.
For people aged 35-50, we offer 401k assessment, allocation and advice, as well as life insurance and investment solutions.
For people already in retirement, we offer retirement assessments and estate planning to determine how we can help your retirement income last longer.
In addition, you are likely a good fit if you:
For employers we offer a full suite of financial wellness/corporate education programs, including access to our e-classes. Click the link below for more details and keep in mind: anyone, regardless of age, stage of life or or asset level is welcome to use our education and assessment services. Learn more
For advisors, we offer our Retirement Solved system to help you grow your practice and make a positive impact in your community. Learn more
Download this valuable free kit and make sure you’re ready.