Engagements

Six engagements. One advisor. Written terms.

We publish exactly what we do, how we charge, and what we deliver. If an engagement is not listed below, we do not offer it — and we will be glad to refer you to someone we trust who does.

01 — Comprehensive financial planning

A written, living plan covering cash flow, tax posture, risk, retirement, education and estate.

Most engagements begin here. Over six to eight weeks we build a document — typically 24 to 40 pages — that captures the household's current position, the goals as we understand them, and the specific decisions we believe should be taken in the next twelve months. The plan is then revisited, in person, every year.

◆Written financial plan (24–40 pp.) bound and delivered in person

◆Annual in-person review and re-issue

◆Unlimited direct access to Bridget between meetings

◆Coordination with your attorney and CPA at no additional fee

Fee — Flat annual retainer, quoted in writing before engagement

02 — Investment counsel

Globally diversified, low-cost portfolios held at an independent custodian.

We do not run an in-house fund. We do not earn a placement fee. We build portfolios from broadly diversified, predominantly passive vehicles, sized to the cash-flow plan we wrote with you. Performance is measured against the goals in your plan — not against an index we did not choose.

◆Investment policy statement, drafted with you in plain English

◆Quarterly written statement of position and changes

◆Tax-aware rebalancing and harvesting through the year

◆Held at a third-party custodian; we never take possession of your assets

Fee — Asset-based or flat retainer — your choice, set out in the engagement letter

03 — Retirement income design

Bucket sequencing, Social Security timing, and pension election in a single calendar.

The years immediately before and after retirement are the most consequential — and the most poorly served by generic advice. We model your income, taxes and withdrawals year by year, decide which accounts pay for which spending, and write the sequence down so it is followed even when we are not in the room.

◆Year-by-year income and tax projection (20+ years)

◆Social Security claiming analysis with break-even

◆Pension election review (single life, joint, lump sum)

◆Roth conversion ladder where appropriate

Fee — Project fee or rolled into comprehensive retainer

04 — Estate & legacy review

Quiet annual review of titling, beneficiaries, trustee succession, and giving structures.

Estate failures rarely happen in the documents. They happen in the beneficiary form no one updated, the asset titled the wrong way, the successor trustee no one told. Each year we walk every account, every policy, and every deed alongside your attorney.

◆Beneficiary and titling audit across all accounts

◆Trustee and executor succession review

◆Annual giving strategy (DAF, QCD, gifting limits)

◆Letter of instruction template, kept current

Fee — Included in comprehensive retainer, or quoted separately

05 — Business owner counsel

Entity, compensation, retirement-plan, and exit planning for closely-held Brevard companies.

We work with a small number of owner-operated businesses — typically under fifty employees — on the financial decisions that sit between the personal and the corporate balance sheet: reasonable comp, profit-sharing design, key-person coverage, and the eventual transfer to family, partners, or a third-party buyer.

◆Entity and compensation structure review

◆Qualified plan (401(k), Cash Balance) design and oversight

◆Buy-sell and key-person insurance review

◆Exit / succession financial modelling

Fee — Project basis, quoted in writing

06 — Second-opinion engagement

A flat-fee, two-meeting review for families already served elsewhere.

If you are working with another advisor and would simply like an unconflicted set of eyes on the plan, we are pleased to provide one. We will tell you, candidly, whether your current arrangement looks sound. Many of these engagements end with us saying so — and that is the right outcome.

◆Two structured meetings (in person or by video)

◆A short written summary with our observations

◆No obligation, no follow-on sales call

Fee — Single flat fee, quoted up front

If you would like to discuss any of these

We answer our own telephone.

+1 (321) 294-7739 Or write to us