Optimum Retirement Planning Premium Service
Optimum Retirement Planning is a flat fee financial advisor that offers retirement planning and investment management for a flat fee. This service is designed for individuals and families who are looking for an ongoing relationship with an advisor to help them achieve their financial independence goals. This service includes:
Investment Management
- Finding the balance between income and growth
- Investment monitoring to ensure your portfolio allocation stays consistent with your plan
- Updates to your portfolio allocation and investments as needed
- Consolidating & transferring investment accounts
Retirement Planning
- Developing a spending plan to ensure you don’t run out of money
- Determining how much money to withdraw from your portfolio
- Determining which accounts to withdrawal your money from to keep taxes low
- Ongoing monitoring to keep your retirement on track
Tax Planning
- When to consider Roth conversions, and how much to convert
- Opportunities to reduce your taxes in the short-term and long-term
- Determining which accounts to withdrawal your money from to keep taxes low
Retirement Income Optimization
- Reducing your lifetime taxes through tax-smart retirement income
- Looking at the big picture to help maximize retirement income
Social Security Analysis
- Establishing when you should claim Social Security
Estate Planning
- Ensuring your estate distribution is aligned with your wishes
- Updating beneficiary forms
Health Insurance Planning
- Reviewing employer-provided plans
- Planning for health insurance after retirement but before Medicare
- Planning income around Medicare part B premium increases.
We charge a flat $7,500 or $10,000 fee, paid quarterly for this service.
What will be my price?
Typical situation for $7,500 Flat Fee:
- Only Retirement Accounts
- Only sources of retirement income are Social Security and Retirement Accounts
- Still working
- W2 Employment
- No complexities with home equity
- No annuities or whole life insurance
- Investment Assets of less than $1,000,000
Typical situation for $10,000 Flat Fee
- Multiple types of investment accounts
- Multiple income sources before and during retirement
- Retired
- Self-Employed if still working
- Home Equity strategies
- Annuities and/or whole life insurance
- Investment Assets of $1,000,000+
Please note that fees are negotiable, and all fees will be specific to the complexity of your financial situation. Other factors not stated here can influence your quoted fee.
One-Time Optimum Retirement Plan
This service is ideal for individuals and families who are looking for one-time advice on their financial situation. Individuals who use this service are comfortable implementing recommendations on their own, and managing their own investments.
One-Time Optimum Retirement Plans can include:
- Investment Advice
- Retirement Planning
- Tax Planning
- Retirement Income Optimization
- Social Security Analysis
- Estate Planning
- 3 Months of follow-up questions
Based on the number of topics covered, and the complexity of your situation, the fee ranges from $2,500 to $7,500.
My guarantee - If you aren't satisfied after the first 90 days, you will receive a 100% refund.
Financial Guidance to Help
You Retire and Stay Retired.
- Lower Taxes
- Optimize Social Security
- Invest Wisely
- Enhance Retirement Income
