What we do, and what it costs.

Services.

One engagement, built around The Retirement Income Protection Plan™: your income, investments, taxes, estate, and healthcare coordinated in a single plan, for one transparent fee. Here’s what that includes and exactly what it costs.

What we help with.

One plan, every moving part.

Retirement touches every part of your finances. These are the areas we coordinate for you, designed as one system, included in one fee.

Straightforward fees.

One simple fee. Everything included.

One blended advisory fee on the assets we manage. That’s the entire engagement. Planning, investment management, and ongoing support are included, not billed separately.

No long-term contract. Fees billed monthly in arrears. Leave anytime.

Assets Under Management
First $1M
1.00% Fee
Next $2M
0.75% Fee
Above $3M
0.50% Fee

*Fees are blended across tiers and shown for illustrative purposes; your exact fee depends on the services and accounts involved. Insurance and annuity products are compensated separately by the issuing carriers, not through your advisory fee. Confirm current terms in our Form ADV.

Included in your fee.

Everything the fee covers.

Retirement spending plan: spending and withdrawals organized through the Three Bucket System™.
Financial planning: comprehensive and ongoing, organized around your goals, not a one-time binder.
Investment management: professionally managed portfolios through our investment partner.
Social Security planning: withdrawal order, Social Security timing, and adjustments year to year.
Tax-aware guidance: built into how we design your income, coordinated with your CPA (or ours).
Estate & legacy coordination: documents, beneficiaries, and titling kept current and aligned.
Healthcare & long-term care planning: the retirement costs most people forget to plan for.
Ongoing support: twice-yearly surge meetings, plus a real person to call when life changes.
Start the conversation.

Let’s have a quick chat about your retirement plan.

A relaxed, no-pressure conversation to see where you stand and whether working together makes sense.

Factor Financial retirement planning call on a phone.