A paycheck for
every year of
your retirement.
First call free
Fee-only RIA, no commissions
2626 Glenwood Avenue, Raleigh
Four parts
of one plan.
Retirement income, investments, taxes and your estate, planned together by one team of fee-only financial advisors for households in and around Raleigh.
Retirement Planning
A paycheck from your savings, Social Security timing and the order you draw from each account
Investment Management
Low-cost, diversified portfolios held at an independent custodian, rebalanced with taxes in mind
Tax-Aware Planning
Roth conversions, equity compensation and charitable giving, coordinated with your CPA
Estate Planning
Beneficiaries, trusts and gifting checked and coordinated with your attorney
Eight client plans,
start to finish.
Planning work from 2024 to 2026, published anonymized with each client’s permission.
2026/029
Retirement date and paycheck plan for two public school teachers
Two pensions, two 403(b)s
2026
$1.4M
Retires at 61
2026/021
Stock option and RSU plan for an engineer leaving a public company
RSUs, ISOs, ESPP
2026
$620,000
2-year sale
2026/012
Sale of a ceramics studio and the first year after it
Installment sale, SEP IRA
2026
$2.1M
Plan in place
2025/118
Survivor plan for a widow in her first year alone
Spousal IRA, life insurance
2025
$880,000
Retitled
2025/104
College funding plan for three children ten years apart
529 plans
2025
$186,000
3 funded
2025/097
Charitable giving plan for a retired couple with a large IRA
Traditional IRA, donor-advised fund
2025
$40,000/yr
QCDs at 70½
2025/083
Succession plan for a family farm in Johnston County
Land LLC, operating account
2025
$3.4M
Signed
2025/061
Social Security timing for a couple four years apart in age
SSA statements, pensions
2025
2 benefits
67 and 70
Anonymized and shared with permission. Planning examples, not investment results. Past performance does not guarantee future results.
Thirty days
from first call
to a written plan.
What happens after you call, with the typical day counts for a new client in 2026. Retiring soon or facing a deadline? Say so on the first call and we move faster.
0
same day
Intro call
Thirty minutes on where you are and what worries you. No documents yet, and nothing to sign.
Calls answered 8:30 AM to 5 PM ET
1
business day later
Your document list
A short checklist and a secure upload link for statements, tax returns and pay stubs. Nothing travels by email.
Secure portal, never email
7
days
Your fee in writing
One flat fee or one percentage, with the scope in plain words, before any work starts.
You know the fee first
14
days
Advisory agreement signed
Scope, fee and who works on your plan, with our Form ADV brochure and Form CRS.
Fiduciary duty, in writing
30
days
Your written plan
Income, taxes, investments and estate on twenty pages, walked through with you line by line.
Then reviewed twice a year
Flat fees,
agreed in writing.
A one-time plan, ongoing planning, or planning with investment management. Every fee is agreed before we start, and we earn nothing from the products you buy.
$3,200
Retirement plan, one time
A written plan: income, Social Security timing, withdrawal order and taxes
$5,400
Ongoing planning, per year
Two reviews a year, a tax projection every fall and unlimited questions
0.80%
Investment management, per year
On the first $1M, planning included. 0.50% to $3M, 0.30% above
Second opinion on a plan or proposal
$650
Tax projection and Roth conversion analysis
$1,200
Equity compensation review
$1,800
Estate plan review with your attorney
$1,500
Beneficiary and titling audit
$750
Hourly planning, per hour
$300
First call free. No commissions, ever. Investment management has a minimum annual fee of $5,000. All fees in USD.
Four partners.
One knows your plan.
CFP® professionals, a CFA charterholder and a CPA, each with a direct line. Advisors, analysts and our compliance officer are on the team page.
“They gave us a retirement date, a monthly paycheck from our savings and a one-page list for every January. We stopped guessing.”
Retired teachers in Cary, clients since 2021
Current clients, not paid for this statement. Their experience may not be typical and is no guarantee of future results.
Insights.
Short articles on retirement income, taxes and estates for people planning the next thirty years. Written by the advisor who does the work.
2626 Glenwood Avenue,
Raleigh.
Thirty minutes, free, this week. Tell us where you are and an advisor calls you back, not a salesperson. If we are not the right fit, we say so and suggest who is. Please do not send account statements until you have your secure upload link.
Office hours
Monday to Friday, 8:30 AM to 5 PM ET
Getting here
Five Points, free parking behind the building
Office line
Text a quick question
Request a free intro call
Prefer to talk now? (919) 555-0137