Our Services & Fees
Services
Three ways we work with clients — each guided by the Retirement Coordination Framework™, each priced clearly before we begin.
How Our Services Fit Together
Most clients begin with a focused planning engagement designed to coordinate retirement decisions and establish clear next steps. From there, some continue with ongoing coordination and wealth management, while others use the engagement to guide future decisions.
How It Works
Start Here · The First Step
Retirement Coordination Engagement™
More than a financial plan — the Engagement is up to six months of direct work with a CFP® professional. Through a structured series of working meetings, we use the Retirement Coordination Framework™ to align spending, income sources, and tax planning — making the decisions in front of you together, not just documenting them.
What This Engagement Includes
- Up to six months of direct access — scheduled working meetings, plus questions answered between sessions
- Coordination of your retirement spending strategy
- Analysis of income sources and withdrawal sequencing
- Integrated tax planning considerations
- Scenario analysis and decision tradeoffs
- Clear guidance on next steps and timing
Who this is for: Individuals and couples approaching or in retirement who want clarity before making high-impact decisions.
Up to 6 Months · Virtual Across 30+ States · CFP® Guidance
The exact fee depends on asset level, complexity, and scope of services — reviewed clearly with you before moving forward. Most clients are between $5,000 - $7,500. If you transition to Simple+ Wealth Management within six months of completing the Engagement, a portion of the fee may be credited toward first-year ongoing planning fees.
Schedule a ConversationOngoing Coordination
Simple+ Wealth Management
Ongoing retirement planning and wealth management for clients who want continued coordination as decisions are implemented and refined over time. This relationship builds on the foundation established during the Retirement Coordination Engagement™ — maintaining alignment as life changes, markets shift, and tax rules evolve.
What's Included
- Roth conversion strategy — evaluated semi-annually against your bracket, not set-and-forget
- Withdrawal and distribution sequencing — which accounts, in what order, including RMD planning
- Proactive tax planning — including IRMAA threshold management to help avoid Medicare premium surcharges
- Retirement income and cash-reserve strategy, so spending money is positioned before it's needed
- Social Security and pension timing, coordinated with the rest of the plan
- Evidence-based investment management aligned with the spending years — platform, trading, and rebalancing included
- A structured annual planning calendar — regular meetings plus direct access between them
Who this is for: Clients who value ongoing guidance and proactive coordination throughout retirement.
Our complete fee schedule is published just below — every tier, plus blended-rate examples showing exactly what you'd pay, and how our all-in cost compares to the typical advisor.
Schedule a ConversationOngoing retirement planning and wealth management for clients who want continued coordination as decisions are implemented and refined over time. This relationship builds on the foundation established during the Retirement Coordination Engagement™.
Sample Annual Client Calendar
Your Year, Coordinated.
Simple+ Wealth Management isn't a portfolio you check on once a year. Here's a sample of how a planning year is structured — three seasons, each with its own meeting, focus, and outcome, tailored to each client's situation.
Sample Annual Client Calendar · Illustrative
January – April
Early-Year Planning
Income & tax strategy setup
Client Meeting
Annual Retirement Planning Meeting
Planning Focus
- Retirement income strategy
- Social Security coordination
- RMD planning
- Roth conversion modeling
- Spending capacity review
Behind the Scenes
- Withdrawal sequencing analysis
- Tax bracket management
- Cash reserve review
- Portfolio risk alignment
Outcome
Your retirement income strategy for the year
May – August
Mid-Year Progress
Plan monitoring & adjustment
Optional Client Meeting
Mid-Year Progress Review
Planning Focus
- Tax return review
- Financial plan update
- Investment progress review
- Estate plan check
- Insurance review
Behind the Scenes
- Lifetime tax projection update
- Spending capacity update
- Tax loss harvesting opportunities
- Risk exposure analysis
Outcome
Updated spending capacity and plan adjustments
September – December
Late-Year Optimization
Tax strategy & year-end planning
Client Meeting
Year-End Strategy Meeting
Planning Focus
- Roth conversions
- Capital gains planning
- Tax loss harvesting
- Charitable giving strategies
- IRA distribution review
Behind the Scenes
- Tax bracket optimization
- Distribution strategy analysis
- Portfolio tax efficiency review
- Medicare/IRMAA planning
Outcome
Tax-saving strategies implemented before year end
Active All Year · Behind the Scenes
Portfolio monitoring Rebalancing when needed Tax strategy monitoring Beneficiary and account reviews Coordination with CPAs and attorneysThis is a sample calendar illustrating our planning framework. The specific services, strategies, and timing for any client are tailored to their circumstances and may differ from what is shown.
Pricing
What Simple+ Costs
Simple+ Advisory Fee Schedule · All‑In, Platform Included
| Assets Under Management | Annual Advisory Fee |
|---|---|
| First $250,000 | 1.50% |
| $250,000 – $500,000 | 1.25% |
| $500,000 – $1,000,000 | 1.00% |
| $1,000,000 – $5,000,000 | 0.80% |
| Above $5,000,000 | 0.65% |
Tiers are progressive — each rate applies only to the assets within that range. Platform, custody, trading, and rebalancing costs are covered by our fee.
What You'd Actually Pay · Blended Rate Examples
| Portfolio | Annual Fee | Effective Rate |
|---|---|---|
| $1,000,000 | $11,875 | 1.19% |
| $1,500,000 | $15,875 | 1.06% |
| $2,000,000 | $19,875 | 0.99% |
| $3,000,000 | $27,875 | 0.93% |
Most firms publish tiers and let you do the math. We'd rather show you the answer.
For Small Business Owners and Entrepreneurs
For Business Owners
Retirement Plan Services
We work with business owners and employers to design and support retirement plans that are practical, cost-effective, and aligned with both business goals and employee needs. Our role focuses on plan design, investment guidance, and ongoing support — helping employers understand their options and maintain plans that evolve as the business grows.
What We Support
- 401(k) plans for small and mid-sized businesses
- Solo 401(k) plans for self-employed individuals
- SEP IRA plans for self-employed individuals
Who this is for: Self-employed individuals and business owners who want a retirement plan that balances simplicity, flexibility, and long-term effectiveness. Fees are quoted based on plan design and scope.
Schedule a Conversation