Flat-Fee Retirement Planning

Below is a breakdown of our two (2) primary offerings:

Full Service Planning & Investments

For Couples - $9,500/year*
For Individuals - $8,000/year*

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

$4,500 one-time fee*
**One-Time Plans for Q2 2025 full. Currently Booking Q3.**

Half paid upfront, remaining paid after plan presentation

30 days of email access after plan delivery

Retirement Readiness Score

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

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) Discuss Investments & Open Accounts

Review your investments, assess risk, and set up accounts with Charles Schwab.

5) Current and Future Tax Strategy Review

Review your current tax strategy and the pros & cons of strategy changes.

6) Retirement Income Review & Implementation

Review your detailed financial plan and implement recommendations from the Retirement Readiness Score.

Ongoing Service

Prior Year Tax Letter

+ Quarterly Rebalance Analysis

Spring Meeting

+ Quarterly Rebalance Analysis

Fall Meeting

+ Quarterly Rebalance Analysis

Year-End Tax Strategy

+ Quarterly Rebalance Analysis

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

Talk with Dunes Financial