Flat-Fee Retirement Planning

Below is a breakdown of our primary service offering:

Full Service Planning & Investments

For Couples - $12,000/year*
For Individuals - $10,500/year*

**I am not accepting new clients at this time. I expect to resume accepting new clients in 2027.
If you're interested in working together once I reopen, please use my Contact page.**
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Ongoing access for questions & meetings

Hands-on implementation of your plan

Balanced & tax-smart investment management

Retirement income guardrails & cash flow management

Spending & goals alignment

Annual tax letter & tax review

Proactive tax planning for the year ahead

And more

Get Started

Fees can be debited out of your accounts held at Charles Schwab or can be paid via ACH or Credit Card. *For typical scenarios. Fee may be adjusted based upon complexity.

One-Time Financial Plan

$5,000 one-time fee*
**One-time plans are fully booked through 2026.**

Half paid upfront, remaining paid after plan presentation

30 days of email access after plan delivery

Collaborative retirement vision meeting

Comprehensive financial review & recommendations

One-time retirement tax analysis

Investment review & optimization

Estate & beneficiary review

Social Security & pension strategy review

Insurance coverage assessment

And more

Get Started

Fees can be paid via ACH or credit card.
*For typical scenarios. Fee may be adjusted based upon complexity.

HOW It WORKS FOR FULL SERVICE PLANNING & INVESTMENT CLIENTS

Dunes Retirement Process

1) Get to Know Each Other

Schedule a complimentary intro call to discuss what’s on your mind.

2) Get Organized

Complete the financial planning questionnaire and submit your documents to Dunes.

3) Retirement Readiness Score & Sign Agreements

Review your Retirement Readiness Score, identify gaps, and discuss initial recommendations. Sign client agreements.

4) Onboarding Meeting

Discuss ongoing communication, account setup and transfers, billing, distributions, and scheduling our next meetings.

5) Build Your Retirement Income Plan

Together, we'll turn your Retirement Readiness Score into a clear and actionable Retirement Income plan.

6) Implement a Personalized Investment Strategy

Once your Retirement Income plan is in place, we’ll review and implement a personalized investment strategy.

7) Optimize Current and Future Tax Strategy

With your plan and investments aligned, we'll refine and adjust your tax strategy.

Ongoing Service for Full Service Planning & Investments Clients

Prior Year Tax Letter

+ Quarterly Rebalance Analysis

Spring Meeting

Annual Plan Refresh

+ Quarterly Rebalance Analysis

Fall Meeting

Year-End Tax & Guardrail Review

+ Quarterly Rebalance Analysis

Tax Strategy Implementation

+ Quarterly Rebalance Analysis

Included: Year Round Investment Management, Income Guardrails, & On-Demand Access to Advisor

Talk with Dunes Financial