Broker Check

How I am compensated: My role is to be your financial guide and diligently pursue your best interests. Most of my fees are asset based so that our interests are naturally aligned. If you do well, I do well. If you experience setbacks, so do I. 

Carefully developing a plan can help build financial success and peace of mind. Therefore all engagements start with developing an initial plan specific to your needs in exchange for a flat planning fee. 

Gold Retirement Plan: This plan provides a comprehensive review of essential financial concerns for pre-retirees, and is intended for those over 55 and/or within five years of retirement. We’ll start by exploring your personal goals, priorities, and vision which is what gives meaning to your financial data. I’ll provide analysis and recommendations on the essential financial decisions for your retirement. At the end of the process the goal is for you to have a clear understanding of your financial situation entering retirement, knowledge to make the crucial decisions as you retire, and the confidence that you can enjoy your hard-earned nest egg in retirement.

I will work with you to:

    • Identify any Retirement Income Shortfalls and Options to address them
    • Choose a Retirement Date
    • Select a Long-term Retirement Income Strategy
    • Choose a Survivorship Option for your Pension (if applicable)
    • Plan Sax-efficient and Sustainable Distributions from your Retirement Accounts, Roths, and Taxable Accounts
    • Feel Confident about the Amount you can Withdrawal each year
    • Identify Opportunities to Re-position Assets for Tax Diversification
    • Choose a Social Security claiming Strategy to Maximize Benefits
    • Review Medicare benefits, additional Coverage Options, and Enrollment Rules
    • Investment Plan development included ($1500 as a separate service)
    • Set your Asset Allocation on a Retirement Glide Path
    • Decide whether to include Annuities in your plan
    • Review the role of Home Equity in your plan
    • Estimate Healthcare Costs in retirement
    • Evaluate Long Term Care planning options
    • Review other planning documents: wills, trusts, POAs, healthcare advance directives, etc. to ensure that they are current.
    • Assess need for Life Insurance
    • Identify a general Legacy Goal

Flat Fee: $3000 

Ongoing advice is asset based. You have the option of selecting financial guidance only, portfolio management only, or integrated Financial Life Management, which is the best value.

Client Assets Under Management
(or Assets Under Advisement for
Financial Guidance Only)

Cost of Financial Life Management
(Discretionary Investment Management &
Financial Guidance)

Cost for Discretionary
Investment Management Only

Cost for
Financial Guidance Only













Notes: Los Alamos Retirement Strategies can provide information on possible tax strategies and matters of settled law. Financial planning is not a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.