Is Ongoing Planning required after the plan?

No. It is optional, under a separate agreement.

What happens between meetings?

We monitor investments, carry out approved decisions, and answer questions. Extra meetings are available when needed.

Do you handle transactions, or just recommend them?

We handle managed-account transactions, with your approval for bigger decisions. You make changes in accounts we don't manage.

How are Roth conversions and withdrawals coordinated?

We recommend amounts and timing using your fall tax projection. After approval, we act before year-end.

Do I pay the planning fee again if I continue?

No. Updates are included; the original planning fee isn't credited toward the annual fee.

Can I start with Ongoing Planning directly?

Usually, we start with Financial Planning, but we may agree that you can start Ongoing Planning directly. If so, there's no planning fee, and we build your plan during the first few months.

What happens if I end Ongoing Planning?

Either of us can end it with 30 days' written notice. We refund the unused part of any fee you've prepaid for the quarter. Your accounts stay at Fidelity in your name, and your plan is yours to keep. If you end the agreement within five business days of first signing it, there's no penalty and any payment is refunded in full.

Will Ongoing Planning earn me higher returns?

We don't promise to beat the market. We focus on portfolio construction, taxes, income, and coordinated decisions.

Fall-colored cypress trees reflected in calm water in southeast Oklahoma.

If you already have a plan, why pay for Ongoing Planning?

We help you carry out your plan and adjust it as life changes.

If you can manage the work yourself, your plan may be all you need.

Schedule Your Initial Call

Ongoing Planning keeps your plan current year after year. Investment management is part of it: the accounts we manage are held at Fidelity, in your name, and if they're somewhere else now, we help you move them.

What changes when you continue

Area	Financial Planning	Ongoing Planning
The service	A written plan built around your questions. You keep your accounts where they are and act on the plan yourself.	We keep your plan current year after year, with planning meetings offered each spring and fall, year-end tax planning, and investment management at Fidelity.
Retirement income	Your withdrawal strategy.	We set up and adjust withdrawals.
Taxes	Tax decision modeling.	We revisit taxes before year-end.
Investments	Portfolio and account recommendations.	We monitor and rebalance investments.
Estate	Estate and beneficiary recommendations.	We revisit arrangements as life changes.
Your plan	Written recommendations and action items.	We update your plan twice yearly.
Who carries it out	You do, with clear instructions.	We help you put it into action.
The fee	One flat fee, paid in three installments. See fees	A percentage of the assets we manage. Estimate your fee

Financial Planning

The service: A written plan built around your questions. You keep your accounts where they are and act on the plan yourself.
Retirement income: Your withdrawal strategy.
Taxes: Tax decision modeling.
Investments: Portfolio and account recommendations.
Estate: Estate and beneficiary recommendations.
Your plan: Written recommendations and action items.
Who carries it out: You do, with clear instructions.
The fee: One flat fee, paid in three installments. See fees

Ongoing Planning

The service: We keep your plan current year after year, with planning meetings offered each spring and fall, year-end tax planning, and investment management at Fidelity.
Retirement income: We set up and adjust withdrawals.
Taxes: We revisit taxes before year-end.
Investments: We monitor and rebalance investments.
Estate: We revisit arrangements as life changes.
Your plan: We update your plan twice yearly.
Who carries it out: We help you put it into action.
The fee: A percentage of the assets we manage. Estimate your fee

Choose how much help you want.

What we do without being asked

Spring and fall planning meetings. Meetings are offered to revisit goals, update retirement projections, and review where you stand.
Your tax return, reviewed each spring. We update your plan when you share it, whoever prepared your return.
Tax planning before year-end. We project your taxes for the year, recommend Roth conversion amounts and carry out the ones you approve, recommend estimated payments when needed, and coordinate charitable giving and required withdrawals from your retirement accounts.
Help with your retirement income. We set up and adjust your withdrawals and tax withholding with you, keep cash set aside for near-term spending, and review your bond ladder each year, extending it as needed.
Insurance, estate, and benefits reviews on a rotating schedule. We offer an insurance review one year and an estate and beneficiary review the next, plus a review of your employer benefits elections at open enrollment while you're working.
Life changes, built into your plan. Tell us about inheritances, family changes, or business changes so we can update your projections and recommendations.
Investment management. We manage your portfolio with Cash Flow Matching, monitor it, and rebalance within the plan we agreed on.

What we do when you reach out

Answer questions promptly during business hours.
Meet when an unexpected decision arises.
Coordinate with your other professionals.
Set up or adjust withdrawals.

How transactions work

Your accounts are held at Fidelity, in your name. We can direct trades and deduct our fee, but we can't withdraw your money for any other purpose.

We rebalance within your agreed plan without approval for each trade. Our sub-advisor, Focus Partners Advisor Solutions, LLC, processes trades, collects fees, and keeps records. It has discretion over how some trades are executed, as described in our Form ADV.

You approve bigger decisions, such as Roth conversions, before we act.

For accounts we don't manage, you carry out our recommendations.

What Ongoing Planning costs

Each rate applies only to managed assets within its tier.

Assets we manage	Annual rate on that portion
First $3 million	1.00%
$3 million to $6 million	0.60%
Above $6 million	0.50%

The fee is billed quarterly, in advance, from your account at Fidelity. There's no minimum fee. Accounts in the same household are combined to set your tier. Accounts we advise on but don't manage aren't counted. Each quarter, a fee report in your Client Portal shows your fee and how it was calculated.

Estimate your Ongoing Planning fee

Enter the amount you'd like us to manage. The calculator applies each rate only to the dollars within its tier.

Assets we'd manage

$0 / year

$0 quarterly · 0.00% effective rate

This is an estimate of our advisory fee. Fund expenses and transaction costs are separate. Your actual fee is confirmed in your advisory agreement.

What the fee pays for: investment management and the planning support above.

What it doesn't include: fund expenses and transaction costs, which we don't receive. Tax preparation, if you choose it, is billed separately by Step By Step Tax Solutions, LLC.

Questions about Ongoing Planning

Schedule Your Initial Call

30 minutes, by phone or video. No fee, no obligation, and nothing to prepare.