Your financial life, navigated with confidence.
Three levels of comprehensive financial planning — each built around where you are today and designed to grow with you.
What Your Annual Retainer Includes
Each plan comes with its own structured set of ongoing benefits — built around what clients at that stage of life actually need. Your retainer is an active, year-round planning relationship, not a maintenance fee.
Dedicated planning meetings with your advisor to review your full financial picture, track progress, and set priorities for the period ahead.
24/7 access to your personal financial dashboard — net worth, cash flow, investments, and plan progress in one place, updated in real time.
Your advisor is available by phone or email for questions and decisions that arise between scheduled reviews.
Ongoing tax planning to identify opportunities, manage brackets, and keep your plan aligned with your current and future tax situation.
Periodic review of your life and LTC insurance coverage and beneficiary designations to make sure everything reflects your current situation.
Your advisor reaches out when changes in tax law, Social Security, or market conditions create planning opportunities or risks — before you have to ask.
Your advisor works directly with your tax professional and estate attorney so you're not managing the handoff between advisors yourself.
Expedited access for unplanned consultations when something time-sensitive comes up.
Regular email updates on market and planning developments that may be relevant to your financial picture.
Access to estate document creation and secure family storage through the Wealth.com platform — wills, trusts, powers of attorney, and more.†
When your needs grow beyond your current plan, your advisor walks you through the path to the next tier at no additional charge.
How it Works
From discovery to ongoing reviews — here's what getting started with us looks like.
1. Discovery
We begin with a comprehensive review of your full financial picture — goals, values, assets, income, protection needs, and anything keeping you up at night.
2. Plan Delivery
Your advisor builds a detailed, personalized plan and walks you through every recommendation in a dedicated planning meeting, with reports you keep.
3. Implementation
We help you act on the plan — coordinating with your CPA, estate attorney, or other professionals so nothing falls through the cracks.
4. Ongoing Reviews
Your retainer keeps the plan current and your advisor accountable, with check-ins scheduled according to the plan you have selected.
What Plan is Right for You?
Three plans, three stages of life. See which one reflects where you are.
Embark
You want clarity on where your full financial picture stands today
You're building or stress-testing your financial foundation for the future
You want to protect your family and make sure your goals are aligned
You're new to start a structured and ongoing planning relationship
Voyage
You're within 10–15 years of retirement or recently retired
You're navigating RMDs, Social Security, or Roth conversion descisions
You want to minimize your tax burden now and throughout retirement
You need a survivor income plan to financially protect your spouse
Legacy
You have an estate, trust, or inheritance that needs active management
You want to transfer wealth to your family or favorite causes efficiently
Your estate documents need a thorough review or are no longer current
You want to be certain what you've built reaches exactly who you intend
