Ongoing Planning helps 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 CallOngoing Planning includes investment management. The accounts we manage are held at Fidelity, in your name. If they're somewhere else now, we help you move them.
| Area | Financial Planning | Ongoing Planning |
|---|---|---|
| The service | A one-time written plan for one flat fee. You keep your accounts where they are and carry out the plan yourself. | We manage your investments at Fidelity and keep your plan current, for an annual fee based on the assets we manage. Accounts held elsewhere move to Fidelity, and we help with the transfer. |
| 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. |
Choose how much help you want carrying out your plan.
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.
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.
Enter the amount you'd like us to manage. The calculator applies each rate only to the dollars within its tier.
$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.
30 minutes, by phone or video. No fee, no obligation, and nothing to prepare.
