Retirement isn't a One-Time Event - it's a Journey

On-Going Support Services

Life changes. Markets shift. Your goals may evolve. That's why your Retirement Plan deserves regular attention. If you've been discouraged by high fees, poor communication, or generic reports in the past, you'll appreciate our refreshingly personal approach.

At Kastler Financial Planning, we offer two flexible paths for On-Going Support - both designed to keep your Retirement Plan aligned with your life.

Option 1: On-going Financial Planning (Advice Only)

Prefer to manage your own investments? We'll serve as your strategic partner - providing expert analysis and quarterly guidance to keep your Initial Plan up to date. Included services:

Low-cost, Flat-fee, tiered Retirement Planning and Advice
Quarterly Retirement Plan Snapshot
Quarterly conversations based on your personalized Client Service Calendar
Annual Retirement Plan Update
24/7 access to all your information via secure client portal

You choose your custodian and handle the implementation and on-going buying, selling, and rebalancing. We provide the analysis, insights, and recommendations.

Option 2: Investment Management (with Charles Schwab as the Custodian)

Want help implementing your Retirement Plan? We'll manage your assets through Charles Schwab, a trusted industry leader, while continuing to provide all the planning support above.

Additional Services:

Assist with asset transfer to Charles Schwab
Annual portfolio rebalancing to maintain your original asset mix
Flat fee structure for planning and investment management services - no checks to write

Your funds remain in your control, with private access through Schwab's portal. We handle the paperwork, client service, and portfolio management. No call centers, just real conversations.

Why On-going Support Matters

A Retirement Plan is only as strong as its implementation. Studies show that regular updates and accountability are key to long-term success. That's why we offer:

Quarterly Retirement Plan Snapshots

We go beyond standard investment statements - tying your portfolio directly to your Retirement Plan goals and strategy. Together, at a glance, we'll be able to track your progress and detect areas that may need adjustment.

Example Snapshot:

Each quarterly snapshot includes:

Your projected Retirement Income ratio and the sources providing that income
Expected withdrawal rate from your portfolio
Probability of success
How your portfolio risk aligns with your Risk Tolerance

Quarterly Conversations

We are a boutique firm, intentionally limiting our client load to ensure meaningful conversational engagement with you. Each quarter, we will:

Review life changes and the impact on your Retirement Plan
Discuss your Retirement Snapshot
Review the "Observations, Risks, and Recommendations" from your Initial Plan
Highlight a key section of your Plan for deeper insight

Your Client Service Calendar keeps everything on track, personalized to your needs. Simplified example of a Client Service Calendar:

Annual Rebalancing

Each year, we revisit your Retirement Plan projections, risk tolerance, and investment asset mix. We will then rebalance your portfolio as needed. We will also update your "Observations, Risks, and Recommendations" summary to reflect any changes, ensuring your Retirement Plan remains relevant to your current situation.

Transparent, Low-Cost Flat-Fee Structure

Our tiered flat-fee structure includes both Planning fees and Advisory Investment Management fees. We think you will find these to be among the lowest in the industry, and always delivered by a qualified fiduciary professional. The tiered pricing structure reflects the general complexity of your Plan.

No commissions. No referral fees. Just qualified advice and on-going support

Why Charles Schwab?

We've chosen Schwab 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

Bottom Line

Our low-cost, flat-fee, tiered pricing is among the most competitive in the industry, especially when paired with our flagship Retirement Planning services. It's a powerful combination:

KFP Retirement Planning + Transparent Investment Management = Your Purposeful Retirement™

Ready to Get Started?

Let's explore your goals and see if we're a good fit. Whether you are looking for advice-only Planning or full-service investment management, we'll meet you where you are and help you move forward with purpose.

Set Up a
no-charge Consultation!

If you believe you could benefit from working with a fiduciary financial professional, let’s review yours goals to see if you’re a good match for our practice or if you have any questions, you can ask here!