The Four Risks Every Retirement Plan Must Address
Risk 01
⟳
Longevity Risk
Running out of money before you run out of time
Risk 02
◈
Tax Risk
Paying more in taxes than necessary across your lifetime
Risk 03
⟁
Market Risk
A bad sequence of returns early in retirement destroying the plan
Risk 04
✦
Healthcare Risk
A long-term care event erasing decades of savings
Planning Services
Tier One
Red Zone
Roadmap
$997 – $1,497
One-time flat fee
Guidance-supported · Self-directed
Get Started →
A clear picture of where you stand — with prioritized action steps you can begin moving on immediately.
Longevity
Tax
- Retirement readiness assessment
- Income gap & shortfall analysis
- Social Security timing overview
- Basic tax exposure snapshot
- Written summary & priority actions
- 2 strategy sessions (60 min each)
Best for: Ages 55–62 · Self-directed · Not yet ready for full planning · A strong on-ramp to the Blueprint
Most Comprehensive
Tier Two
Retirement
Income Blueprint
$3,795
One-time flat fee
Plan only · No implementation pressure
Get Started →
A complete written retirement income plan — built around your four risks and designed to give you clarity before you make a single decision.
Longevity
Tax
Market
Healthcare
- Income floor design — guaranteed lifetime income strategy
- Social Security maximization — optimal claiming analysis
- Tax-efficient withdrawal sequencing
- Roth conversion analysis with tax-free income comparison
- Sequence-of-returns stress testing
- Volatility-protected growth strategy
- Long-term care cost & coverage scenario modeling
- Healthcare cost projection into retirement
- Inflation-adjusted income projections
- Written plan deliverable
- 3–4 collaborative strategy sessions
- 90-day follow-up review
Best for: Ages 60–72 · $450K–$2.5M in investable assets · Ready for a complete, independent picture before making major decisions.
Clients with investable assets above $2.5M — including business exits, large inheritances, and liquidity events — are served through a custom engagement. Call to discuss.
Tier Three
Blueprint +
Full Execution
$3,795 Blueprint
+ Implementation
Implementation fees disclosed
separately in writing
Get Started →
Everything in the Blueprint — plus we build, coordinate, and manage the strategy from start to finish.
Longevity
Tax
Market
Healthcare
- Everything included in the Blueprint
- Guaranteed income floor — full coordination & placement
- Tax-free income strategy — design & implementation
- Volatility-protected portfolio — ongoing management
- Long-term care solution — coordination & placement
- Annual plan review & rebalancing
- Priority access & ongoing guidance
Best for: Clients who want full done-for-you execution — and an ongoing advisor relationship as their income plan evolves.
Clients above $2.5M in investable assets are served through a custom engagement. Call to discuss.
Risk Coverage by Service Level
| Planning Component |
Roadmap |
Blueprint |
Blueprint + Execution |
| Retirement readiness & income gap analysis | ✓ | ✓ | ✓ |
| Social Security maximization strategy | Overview | ✓ | ✓ |
| Guaranteed lifetime income floor design | — | ✓ | ✓ |
| Inflation-adjusted income projections | — | ✓ | ✓ |
| Guaranteed income floor — full implementation | — | — | ✓ |
| Tax exposure snapshot | Basic | ✓ | ✓ |
| Tax-efficient withdrawal sequencing | — | ✓ | ✓ |
| Roth conversion scenario analysis | — | ✓ | ✓ |
| Tax-free income strategy & comparison | — | ✓ | ✓ |
| Tax-free income strategy — full implementation | — | — | ✓ |
| Sequence-of-returns stress testing | — | ✓ | ✓ |
| Volatility-protected growth strategy | — | ✓ | ✓ |
| Ongoing portfolio management & rebalancing | — | — | ✓ |
| Long-term care cost scenario modeling | — | ✓ | ✓ |
| Healthcare cost projection into retirement | — | ✓ | ✓ |
| Long-term care solution — coordination & placement | — | — | ✓ |
How Implementation Works
Your Plan Comes First. Always.
Your Blueprint is completed — and delivered — before any implementation conversation begins. Implementation fees are always disclosed separately, in writing, before anything moves forward. Portfolio management fees reflect the level of active risk management applied — actively managed, volatility-protected models carry a higher fee than index-based models with annual review. You are never under any obligation to implement with us.
Active Risk-Managed Portfolio
2.65% AUM
Index / Annual Review Model
1.00% AUM
$2.5M+ Institutional Tier
0.75% AUM
Insurance-Based Solutions
Fully Disclosed