Retirement Isn't a One-Time Event–It's a Journey
Ongoing Support for Your Retirement Plan
Choose the Level of Ongoing Support That Fits Your Needs
Why On-going Support Matters
Retirement planning is not static. Your income needs, tax situation, investment portfolio, and personal goals can all change over time. Ongoing support helps keep your retirement plan current and aligned with your life.
After your Initial Plan is completed with our Retirement Planning Services, there are two ways we can continue working together. If you prefer to manage your own investments, I can provide ongoing retirement plan monitoring and periodic reviews. If you prefer professional portfolio management, I also offer investment management with assets held at Charles Schwab, integrated with ongoing planning support.
After your Initial Plan is completed with our Retirement Planning Services, there are two ways we can continue working together. If you prefer to manage your own investments, I can provide ongoing retirement plan monitoring and periodic reviews. If you prefer professional portfolio management, I also offer investment management with assets held at Charles Schwab, integrated with ongoing planning support.
Ongoing Support for a Coordinated Plan
The 7 Pillars Planning Framework helps shape the written retirement plan from the beginning, but thoughtful planning does not always end there. Ongoing support helps keep important decisions aligned in one coordinated plan as retirement unfolds.
Two Ways to Continue Working Together
Once your Initial Plan has been created, you can choose the level of ongoing support that best fits your needs.
Both paths include ongoing retirement plan monitoring and periodic reviews. The difference is that some clients prefer to remain hands-on with their investments, while others want that same ongoing planning support plus professional investment management in one coordinated relationship.
Both paths include ongoing retirement plan monitoring and periodic reviews. The difference is that some clients prefer to remain hands-on with their investments, while others want that same ongoing planning support plus professional investment management in one coordinated relationship.
Ongoing Retirement Plan Monitoring
This ongoing support path is designed for clients who want to manage their own investments while continuing to receive professional guidance as retirement unfolds.
With ongoing retirement plan monitoring, we review your plan periodically, discuss changes in your life or goals, and evaluate whether adjustments may be needed. This may include reviewing retirement income strategies, withdrawal assumptions, tax considerations, and other planning issues that affect your long-term direction. Ongoing Plan Monitoring May Include:
With ongoing retirement plan monitoring, we review your plan periodically, discuss changes in your life or goals, and evaluate whether adjustments may be needed. This may include reviewing retirement income strategies, withdrawal assumptions, tax considerations, and other planning issues that affect your long-term direction. Ongoing Plan Monitoring May Include:
- Periodic retirement plan reviews
- Updates for life changes, market changes, or planning assumptions
- Review of retirement income and withdrawal strategy
- Ongoing discussion of tax-related planning considerations
- Yearly Plan Update
Ongoing Plan Monitoring with Investment Management
This ongoing support path includes the same retirement plan monitoring and periodic reviews described above, along with professional investment management.
Under this arrangement, I help implement and manage your investment portfolio in alignment with your retirement plan. Your assets are held at Charles Schwab, an independent custodian, while I provide ongoing monitoring, portfolio management, periodic reviews, and planning guidance. Your accounts remain in your name at Schwab, and you continue to have access to your money while I manage the portfolio within the scope of our agreement.
Under this arrangement, I help implement and manage your investment portfolio in alignment with your retirement plan. Your assets are held at Charles Schwab, an independent custodian, while I provide ongoing monitoring, portfolio management, periodic reviews, and planning guidance. Your accounts remain in your name at Schwab, and you continue to have access to your money while I manage the portfolio within the scope of our agreement.
- Portfolio implementation aligned with your retirement plan
- Ongoing monitoring and rebalancing as needed for your portfolio design
- Periodic review meetings and planning guidance
- Coordination between your portfolio and your retirement income planning
- Secure account access through Charles Schwab portal
This option may be appropriate if you want your portfolio management and retirement planning coordinated under one relationship, with continued attention to your income needs, risk profile, and long-term goals.
Why Charles Schwab as Custodian?
I've chosen Charles Schwab as the custodian to hold client assets for its reliability, transparency, and investor-friendly platform. You'll benefit from:
- No-cost trading on a wide range of funds and ETFs
- Convenient virtual onboarding
- You maintain direct control with secure account access
- Advisor-led rebalancing and service - no call centers
Periodic Reviews and Plan Updates
Whether you choose plan monitoring or full investment management, periodic reviews can help keep your retirement plan aligned with changing circumstances. These reviews provide an opportunity to revisit your goals, evaluate key planning assumptions, and discuss whether updates may be appropriate.
Quarterly Reviews
During quarterly review meetings, we discuss the changes that may affect your retiremeplan and identify any areas that may need attention. Conversations may include updates to your retirement income plan, investment alignment, tax considerations, or other planning priorities that have emerged since your last review.
- Review life changes and how they may affect your retirement plan
- Discuss current priorities, concerns, and planning questions
- Revisit observations, risks, and recommendations from your plan
- Identify next steps and potential plan updates
Yearly Plan Updates
During the annual review meeting, we discuss any changes from the past year that may affect your retirement projections. We then update your Initial Plan analysis as needed and provide you with a written Plan Update. A yearly Plan Update may include:
- Your projected Retirement Income ratio
- Expected withdrawal rate from your portfolio
- Review of the risk in your portfolio
- Rebalancing recommendations
Annual Portfolio Rebalancing
For clients using investment management, portfolio allocations are reviewed and rebalanced as needed in light of your retirement plan, Investment Policy Statement (IPS), rebalancing guidelines, risk profile, and changing circumstances. For clients who manage their own investments, portfolio-related observations may still be discussed as part of the broader planning review process.
Transparent, Flat-Fee Tiered Pricing
Ongoing Support uses the same flat-fee pricing tiers described on our service modules and pricing page. Pricing is the same with or without Investment Management, so you can choose the level of ongoing support that best fits your needs.
Ready to Talk Through Your Options?
Schedule a ConsultationIf you would like to explore which ongoing support option may be the best fit for your needs, I invite you to reach out. We can begin with a no-charge, no-obligation consultation to discuss your retirement planning needs, your preferences, and how you would like to work together.