Once your foundation is solid, optimization creates compounding advantages. Tax-efficient withdrawal sequencing can add years to your portfolio's longevity.
These tools are powerful but secondary. Don't optimize advanced strategies while neglecting fundamentals. The pyramid philosophy applies: master each level before ascending.
📖 Learn more in "Market Mechanics" →Personalized financial planning that coordinates every level of your financial pyramid.
The Foundational Plan gives you tools to build your own plan. The Advanced Plan is different — it's a working relationship where your unique situation, goals, and behavioral tendencies shape a coordinated strategy across every aspect of your financial life.
Every recommendation considers its ripple effects across your taxes, insurance, estate, and cash flow.
We don't hand you a PDF and wish you luck. We execute alongside you and adjust as life changes.
Regular reviews, proactive alerts when action is needed, and direct access when questions arise.
Your communication cadence, risk guardrails, and decision frameworks are tailored to how you actually think and feel about money.
Sophisticated strategies that require ongoing coordination and professional judgment
Financial decisions don't exist in isolation. A Roth conversion affects your tax bracket, which affects your insurance premium subsidies, which affects your cash flow. We model these ripple effects before making any recommendation.
Tax planning isn't about this year — it's about your lifetime tax burden. We identify low-income years to accelerate income (Roth conversions, capital gains harvesting) and high-income years to defer, smoothing your tax bracket across decades.
The order you draw from taxable, tax-deferred, and Roth accounts can extend your portfolio by years. We build a dynamic withdrawal strategy that adapts to tax law changes, market conditions, and your evolving needs.
Life doesn't follow a straight line. We model what happens if you retire early, if a parent needs long-term care, if you inherit assets, if tax rates change, if you want to help a child buy a house. Then we build flexibility into your plan.
Insurance isn't a checkbox — it's part of your overall wealth strategy. We coordinate life insurance with estate planning, disability coverage with emergency reserves, and long-term care planning with asset protection strategies.
A plan is only as good as its execution. We track your progress, flag when you're drifting off course, and adjust the strategy as your life changes. Quarterly reviews ensure nothing falls through the cracks.
Every client's situation is unique. Here's how coordinated planning creates measurable outcomes.
Situation: Wanted to retire at 58 but worried about the 7-year gap before Medicare and Social Security.
Situation: Selling a business with $2M+ proceeds, facing significant capital gains exposure.
Situation: Inherited $800K IRA with complex distribution requirements and existing high income.
Situation: $350K household income but only $180K saved at 47. High earnings masked a savings gap.
Situation: Dual income couple, early 30s, two kids. Overwhelmed by daycare, mortgage, student loans, and "someday" retirement.
The Behavioral Profile you completed in the Foundational Plan isn't just for self-awareness — it directly shapes how we work together. Your tendencies become the basis for customized communication, guardrails, and decision-making frameworks.
High loss aversion? We build pre-planned responses to market downturns — specific thresholds and actions decided in calm moments, not panicked ones. You'll know exactly what we'll do (and won't do) when markets drop 10%, 20%, or 30%.
Strong present bias? We maximize automation — automatic contributions, automatic rebalancing, automatic tax-loss harvesting. The less you have to actively decide, the more your future self wins.
Tend toward overconfidence? We implement structured decision processes — checklists before major moves, cooling-off periods, and systematic reviews that surface blind spots before they become mistakes.
Susceptible to herd behavior? We establish "what others are doing" as explicitly off-limits in our discussions. Your plan is benchmarked against your goals, not your neighbor's portfolio.
Action bias means wanting to "do something" in volatile markets. Decision paralysis means avoiding necessary changes. Either way, we build frameworks that channel these tendencies productively — regular review schedules, clear triggers for action, and defined non-action zones.
Choose the engagement level that fits your needs. All tiers include the same professional quality — the difference is frequency and depth of engagement.
| Tier | Meeting Frequency | Annual Fee | Value vs. 1% AUM |
|---|---|---|---|
|
Essential
Typical assets: $0 – $500K
|
Quarterly (4x/year) | $3,000 – $4,500 | Access to holistic planning that AUM advisors often won't provide at this level |
|
Standard
Typical assets: $500K – $2M
|
Monthly (12x/year) | $6,000 – $9,000 | Saves $1,000 – $11,000+ annually vs. traditional AUM |
|
Premium
Typical assets: $2M+
|
Biweekly (26x/year) | $12,000 – $18,000 | Saves $2,000 – $30,000+ annually vs. traditional AUM |
All engagements are 1-year contracts. Ranges reflect complexity — business owners, multi-state situations, or blended families typically fall toward the higher end.
Traditional advisors charge a percentage of your portfolio — typically 1% annually. That model has problems.
Managing a $2M portfolio isn't twice the work of managing $1M. Yet you'd pay twice as much. Over a 20-year relationship, that cost difference can exceed $150,000 — money that should be compounding for your retirement.
When advisors are paid based on assets, that's where attention flows. Tax planning, insurance optimization, estate coordination, behavioral coaching — the things that often matter most — become afterthoughts. Our flat fee means every aspect of your financial life gets the attention it deserves.
If you're a high earner with modest savings, or a young family just starting out, the AUM model doesn't work — the fee doesn't justify the service, so you get minimal attention (or turned away entirely). Flat fee means you get comprehensive planning when you need it most: while you're building.
| Your Portfolio | Traditional 1% AUM | Our Flat Fee | Your Annual Savings |
|---|---|---|---|
| $250,000 | $2,500/year | $3,000 – $4,500 (Essential) | Holistic service you wouldn't otherwise get |
| $750,000 | $7,500/year | $6,000 – $9,000 (Standard) | $0 – $1,500 |
| $1,500,000 | $15,000/year | $6,000 – $9,000 (Standard) | $6,000 – $9,000 |
| $3,000,000 | $30,000/year | $12,000 – $18,000 (Premium) | $12,000 – $18,000 |
| $5,000,000 | $50,000/year | $12,000 – $18,000 (Premium) | $32,000 – $38,000 |
The savings compound. Over 20 years, a client with $2M saves roughly $200,000+ in fees alone — before accounting for what that money earns when invested.
The Advanced Plan isn't for everyone. It's for people whose financial situation has enough complexity that the coordination and ongoing attention meaningfully improves outcomes — and who value having a professional partner in their financial decisions.
If you've completed the Foundational Plan and want to explore what working together would look like, let's have a conversation. No pressure, no pitch — just a straightforward discussion about whether it makes sense for your situation.
Schedule a ConversationDisclaimer: The Advanced Plan involves a professional advisory relationship subject to applicable regulations and disclosures. Specific services, fees, and terms are discussed during the initial consultation.