Service Levels Designed to Grow
With You
Choose the level of support that fits your life today.
Adjust as your needs change.
You don’t have to decide everything at once.
As planning depth and coordination increase, investment management fees decrease.
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Protection |
✔ Insurance & annuity analysis Best when life feels: Specific One-time fee
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| Investment Management |
✔ Investment management Style: Hands-off 1.00% AUM |
| Investment + Protection |
✔ Investment management Style: Guided One-time fee + 1.00% AUM |
| DIY Planning |
✔ Investment management Style: Hands-on $100/month + 0.75% AUM |
| Plan Together |
✔ Investment management Style: Shared $200–$400/month + 0.50% AUM |
| Manage It All for Me |
✔ Investment management Style: Hands-off $500–$1,500/month + 0.30% AUM
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Still deciding? Most people start with a conversation, not a selection.
As planning depth and coordination increase, investment management fees decrease.
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Protection |
Invest |
Invest + |
DIY |
Plan |
Manage It All for Me |
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Investment Management |
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Ongoing Financial Planning |
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Collaborative Decision-making |
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Hands-on vs. Hands-off |
Focused |
Hands-off |
Guided |
Hands-on |
Shared |
Hands-off |
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Best when life feels… |
Specific |
Stable |
Busy |
Growing |
Complex |
Full |
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Fee Info |
One-time fee
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1.00% AUM
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One-time fee + 1.00% AUM |
$100/month + 0.75% AUM
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$200–$400/month + 0.50% AUM |
$500–$1,500/month + 0.30% AUM
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Still deciding? Most people start with a conversation, not a selection.
Protection Services
Focused, one-time support
Best for:
Specific protection or income needs
What this includes:
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Insurance & annuity analysis
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Clear recommendations
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Implementation support
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One-time fee
Investment Management
Investment-only guidance
Best for:
Those seeking professional investment guidance without ongoing planning
What this includes:
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Professionally managed investment portfolios
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Ongoing monitoring and rebalancing
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Risk alignment based on goals and comfort level
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1.00% AUM
Investment Management + Protection
Coordinated strategies
Best for:
Folks with multiple financial moving parts who want
coordinated support
What this includes:
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Investment management aligned with protection strategies
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Coordination across accounts and policies
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Planning recommendations as life changes
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One-time fee + 1.00% AUM
DIY Planning + Reduced Investment Management
Guided, hands-on planning
Best for:
Hands-on types who want guidance and structure while staying actively involved
What this includes:
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Planning framework and goal organization
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Guidance and accountability check-ins
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Reduced investment management support
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$100/month + 0.75% AUM
Let’s Do the Planning Together
Collaborative partnership
Best for:
Those seeking a collaborative planning partnership with shared decision-making
What this includes:
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Ongoing, collaborative financial planning
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Regular strategy conversations and updates
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Coordinated investment oversight
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$200–$400/month + 0.50% AUM
Manage It All for Me
Full-service simplicity
Best for:
Folks who want simplicity, confidence, and full-service support
What this includes:
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Comprehensive financial planning and coordination
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Proactive strategy and ongoing oversight
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Full investment management
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$500–$1,500/month + 0.30% AUM
Frequently asked questions
Do I have to choose a service level right away?
No. Many clients start with a conversation, not a decision. We’ll help you understand which level fits your current situation, and you can always adjust as your needs change.
Can I move between service levels over time?
Yes. Our service levels are designed to be flexible. As your life, family, or financial complexity changes, your level of support can evolve with you.
Why do investment management fees decrease as planning becomes more comprehensive?
Higher service levels involve deeper coordination, proactive planning, and shared responsibility. As that planning depth increases, investment management becomes more efficient, allowing those fees to decrease.
Does a higher service level mean taking more investment risk?
No. Risk is based on your goals, time horizon, and comfort level, not on the service tier. Higher levels focus on coordination and clarity, not increased risk.
What if I want to stay involved in decisions?
That’s encouraged. Some service levels are designed for hands-on or collaborative planning, while others offer more comprehensive management. We’ll help you choose what feels right for you.
Is this a sales conversation?
No. Our goal is clarity, not pressure. A short conversation helps us understand your situation and answer questions, you’re never obligated to move forward.
